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Loan officer/loan processor vs senior loan processor

The differences between loan officers/loan processor and senior loan processors can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a loan officer/loan processor and a senior loan processor. Additionally, a senior loan processor has an average salary of $50,297, which is higher than the $46,753 average annual salary of a loan officer/loan processor.

The top three skills for a loan officer/loan processor include customer service, escrow and credit reports. The most important skills for a senior loan processor are customer service, FHA, and va.

Loan officer/loan processor vs senior loan processor overview

Loan Officer/Loan ProcessorSenior Loan Processor
Yearly salary$46,753$50,297
Hourly rate$22.48$24.18
Growth rate4%4%
Number of jobs71,80121,995
Job satisfaction--
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 50%
Average age4545
Years of experience66

What does a loan officer/loan processor do?

A loan processor is a person who does all the processing as well as submitting all the required documents for a loan application. They play an important role in ensuring that the personal information and documents of a client are orderly complied. Also, a loan processor's other tasks include being the bridge or channel between the loan applicant and the loan assessor.

What does a senior loan processor do?

A senior loan processor works in a financial institution to solicit, negotiate, and coordinate consumers' and commercial loans. Old loan processors must review and verify loan documents and ensure that the required documents are complete and accurate. In the case of missing documentation, senior loan processors must communicate with customers to avoid loan approval delay. Old loan processors must also obtain a bachelor's degree in finance, business administration, or any other related field.

Loan officer/loan processor vs senior loan processor salary

Loan officers/loan processor and senior loan processors have different pay scales, as shown below.

Loan Officer/Loan ProcessorSenior Loan Processor
Average salary$46,753$50,297
Salary rangeBetween $28,000 And $76,000Between $33,000 And $75,000
Highest paying CityColumbia, MDBaltimore, MD
Highest paying stateNew JerseyHawaii
Best paying companyXeroxAccenture
Best paying industryAutomotiveProfessional

Differences between loan officer/loan processor and senior loan processor education

There are a few differences between a loan officer/loan processor and a senior loan processor in terms of educational background:

Loan Officer/Loan ProcessorSenior Loan Processor
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 50%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Loan officer/loan processor vs senior loan processor demographics

Here are the differences between loan officers/loan processor' and senior loan processors' demographics:

Loan Officer/Loan ProcessorSenior Loan Processor
Average age4545
Gender ratioMale, 32.1% Female, 67.9%Male, 23.0% Female, 77.0%
Race ratioBlack or African American, 9.3% Unknown, 4.6% Hispanic or Latino, 16.2% Asian, 6.5% White, 62.9% American Indian and Alaska Native, 0.5%Black or African American, 9.1% Unknown, 4.6% Hispanic or Latino, 15.8% Asian, 6.3% White, 63.6% American Indian and Alaska Native, 0.5%
LGBT Percentage8%8%

Differences between loan officer/loan processor and senior loan processor duties and responsibilities

Loan officer/loan processor example responsibilities.

  • Supervise and manage the processing staff and also underwrite conventional loans for correspondent lenders.
  • Experience includes conventional, non-conforming, conforming, FHA, VA, builder purchase and refinances.
  • Originate conventional, FHA, and VA loans as a correspondent lender for loans to be sell on the secondary market.
  • Comply with all of RESPA's requirements and guidelines.
  • Prepare all RESPA documents and make sure loans are in compliance.
  • Review new Conventional/FHA and VA files for items need from the borrower.
  • Show more

Senior loan processor example responsibilities.

  • Work knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors.
  • Monitor compliance with the regulatory and secondary markets guidelines with FNMA, FHLMC, VA, FHA investors and PMI loans.
  • Process conforming, non-conforming, FHA, and VA files from the time of application to the day of funding.
  • Analyze all pertinent financial and credit data to determine the loan risk for bank, VA, and investor guidelines.
  • Process, close, and perform preliminary underwriting on conventional, FHA, and VA loans retail purchase and refinance.
  • Create charts and client files using calyx system.
  • Show more

Loan officer/loan processor vs senior loan processor skills

Common loan officer/loan processor skills
  • Customer Service, 14%
  • Escrow, 6%
  • Credit Reports, 6%
  • Lenders, 6%
  • FHA, 6%
  • Va, 6%
Common senior loan processor skills
  • Customer Service, 14%
  • FHA, 8%
  • Va, 8%
  • Property Appraisals, 6%
  • Calculate Income, 6%
  • Loan Applications, 6%

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