Job Description

Who We Are

MM Lending is a real estate lending platform focused on delivering DSCR (Debt Service Coverage Ratio) financing to residential real estate investors. We partner with institutional capital sources and operate with a strong emphasis on precision, execution discipline, and operational reliability.

As we scale, our success depends on consistent, high-quality loan file execution and strict adherence to investor guidelines.

The Role

We are seeking a detail-oriented, process-driven DSCR Loan Processor to take ownership of loan files from application through closing.

This is a hands-on execution role designed for someone who thrives in structured environments, values accuracy, and takes pride in producing complete, compliant, and investor-ready loan files.

You will play a critical role in ensuring each transaction moves forward efficiently, with clarity, organization, and discipline.

What Success Looks Like

• Loan files are complete, accurate, and submission-ready the first time
• Underwriting conditions are tracked, resolved, and cleared without rework
• Files move through the pipeline without unnecessary delays
• Documentation meets investor standards with consistency
• Operational issues are identified early and resolved methodically

Core Responsibilities

Loan File Assembly & Documentation Control

• Open, structure, and maintain organized DSCR loan files
• Collect borrower, entity, and property documentation
• Verify completeness and accuracy prior to submission
• Maintain consistent file integrity aligned with investor standards

Investor Submission & File Preparation

• Prepare and submit complete loan packages to funding partners
• Ensure all documentation aligns with DSCR program guidelines
• Upload and manage files within investor portals
• Maintain accurate pipeline status and file tracking

Condition Management & Underwriting Coordination

• Track underwriting conditions with precision and accountability
• Coordinate document collection with borrowers and internal team members
• Review incoming documents for completeness and compliance
• Resubmit clean, complete condition responses

Closing Coordination & Execution

• Monitor files from submission through clear-to-close
• Coordinate with title companies, borrowers, and funding partners
• Ensure all closing requirements are satisfied prior to funding
• Maintain visibility across all active transactions

Pipeline Management & Operational Discipline

• Maintain a structured and accurate pipeline tracker
• Provide consistent status updates to internal stakeholders
• Identify potential issues early and escalate appropriately
• Contribute to process improvements and operational efficiency

Qualifications

Required

• 2–5 years of experience in mortgage processing, loan operations, or real estate lending
• Strong attention to detail and documentation accuracy
• Ability to manage multiple files in a deadline-driven environment
• Clear, structured communication skills
• High level of personal accountability and follow-through

Preferred

• Experience with DSCR or residential investor loan programs
• Familiarity with investor submission platforms and document systems
• Experience managing underwriting conditions and closings
• Background in private or real estate investment lending