Rosegate Loan Processor Charlotte, NC · Remote · Full time Company website

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Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.

SMART. HUNGRY. HONEST.

At Rosegate, we don't just process loans-we build relationships, drive innovation, and shape the future of mortgage lending. We're a team that shows up every day with purpose, passion, and integrity. If you're SMART, HUNGRY, and HONEST, you'll feel right at home here.

Key Responsibilities: 

Pipeline Management 

• Manage an active pipeline of approximately 40+ loans in various stages of processing 
• Prioritize files based on lock expirations, submission timelines, and closing dates 
• Maintain consistent pipeline movement to meet investor and closing deadlines 
• Identify potential issues early and escalate appropriately 

 

Loan File Preparation (Non-Delegated / Wholesale) 

• Prepare complete and accurate loan files for submission to wholesale investors 
• Ensure loan packages meet investor documentation and stacking requirements 
• Validate income, assets, credit, and collateral documentation prior to submission 
• Submit clean, complete files to minimize underwriting touches 

 

Communication & Coordination 

• Serve as primary processing contact for Loan Officers and borrowers 
• Coordinate with third parties including title, appraisal, insurance, and verification vendors 
• Communicate with investor Account Executives and utilize investor portals as needed 
• Provide proactive and consistent status updates 

 

Underwriting & Conditions 

• Submit complete loan packages to investors for underwriting 
• Review and clear investor conditions efficiently and accurately 
• Work closely with Loan Officers and borrowers to obtain required documentation 
• Prepare files for final approval and clear-to-close 

 

Compliance & Quality 

• Ensure files meet agency, investor, and regulatory requirements 
• Maintain accurate loan data in the LOS 
• Adhere to disclosure timing and documentation standards 
• Meet company quality control and file integrity expectations 

 

Performance Expectations 

• Maintain a pipeline of approximately 25-30 loans with multiple Loan Officers 
• Submit high-quality files with minimal underwriting touches 
• Clear conditions promptly and maintain strong file velocity 
• Consistently meet lock and closing deadlines 
• Maintain strong SLA performance across submission, conditions, and closing milestones 
• Deliver a high-touch borrower experience and strong internal communication 
• Meet production, quality, and compliance targets established by the company 

 

Qualifications: 

• 2+ years mortgage processing experience preferred, ideally in non-delegated or wholesale lending 
• Bachelor’s degree preferred or equivalent mortgage processing experience 
• Experience submitting loans through wholesale investor portals 
• Familiarity with Conventional, FHA, and VA documentation requirements 
• Ability to manage a high-volume pipeline in a production environment 
• Strong attention to detail and file organization 
• Comfortable reviewing income and financial documentation 
• Clear communicator with urgency, ownership, and accountability 

 

What Success Looks Like: 

• Clean, complete files submitted to investors on first pass 
• Conditions cleared quickly with minimal back-and-forth 
• Consistent pipeline movement toward approval and closing 
• Deadlines and lock timelines met reliably 
• Strong borrower, Loan Officer, and investor communication 
• Ability to manage volume without sacrificing file quality 

 

Schedule & Work Requirements: 

• Full-time position based in Charlotte, NC office 
• This position may be performed remotely for candidates residing outside the Charlotte, NC commuting area, provided they possess the experience, qualifications, and capabilities necessary to be successful in the role.
• Following the first 90 days, team members may earn eligibility for up to 4 remote workdays per month, based on performance and operational needs. 

 

Compensation: 

• Compensation includes base salary plus performance-based production bonus tied to loan volume, file quality, and SLA performance. 

 

Growth Opportunities: 

As the company continues to scale, this role offers advancement opportunities into: 

• Senior Mortgage Processor 
• Team Leadership 
• Underwriting 

Benefits:

• Growing company
• Caring leadership & support
• Competitive salary
• Health, dental, and vision insurance
• Company-Paid Short-Term Disability & Life Insurance
• 401(k) plan with company match
• Paid time off and holidays
• Professional development opportunities

 

Ready to Be a Part of Something Great?

If you're ready to take your mortgage career to the next level and be part of a company that values vision, integrity, and hustle, apply now. Let's build the future of mortgage-together.

 

Rosegate is an equal-opportunity employer. All employment decisions are based on business needs, job requirements, and individual qualifications. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

Rosegate | NMLS: 2082961| www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensed to lend or broker loans in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI | 13515 Ballantyne Place, Charlotte, NC 28277 | 888-657-6206 |