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Loan reviewer vs loan processor

The differences between loan reviewers and loan processors can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become a loan reviewer, becoming a loan processor takes usually requires 2-4 years. Additionally, a loan processor has an average salary of $38,122, which is higher than the $31,175 average annual salary of a loan reviewer.

The top three skills for a loan reviewer include loan review, real estate and data entry. The most important skills for a loan processor are loan applications, customer service, and property appraisals.

Loan reviewer vs loan processor overview

Loan ReviewerLoan Processor
Yearly salary$31,175$38,122
Hourly rate$14.99$18.33
Growth rate4%-3%
Number of jobs14,73716,228
Job satisfaction--
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 46%
Average age4542
Years of experience64

What does a loan reviewer do?

A loan reviewer is a person who evaluates and reviews the loan application of clients based on their loan capacity and capability to pay. They are responsible for assessing needed documents and ensures compliance with the regulation and policies of a bank or credit cooperative. A loan reviewer also verifies if the loan procedure is properly implemented. They have other responsibilities such as identifying loan problems, reviewing other banking processes, and reporting fraudulent claims. A representative also records and keeps the data needed for further analysis.

What does a loan processor do?

A loan processor is responsible for assisting customers with their loan requests, ensuring their eligibility, and choosing the best loan options for their needs. Loan processors carefully review loan application documents and prepare loan proposals for underwriting, analyzing the applicant's financial status and credit scores, processing repayment plans, and adhering to banking and financial regulations. A loan processor must have excellent knowledge of the banking industry and processes to provide the best loan services for the customers efficiently and accurately.

Loan reviewer vs loan processor salary

Loan reviewers and loan processors have different pay scales, as shown below.

Loan ReviewerLoan Processor
Average salary$31,175$38,122
Salary rangeBetween $24,000 And $39,000Between $28,000 And $50,000
Highest paying CityOlympia, WASan Francisco, CA
Highest paying stateWashingtonWest Virginia
Best paying companyCitizens AllianceStanford University
Best paying industryFinanceFinance

Differences between loan reviewer and loan processor education

There are a few differences between a loan reviewer and a loan processor in terms of educational background:

Loan ReviewerLoan Processor
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 46%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Loan reviewer vs loan processor demographics

Here are the differences between loan reviewers' and loan processors' demographics:

Loan ReviewerLoan Processor
Average age4542
Gender ratioMale, 29.9% Female, 70.1%Male, 20.6% Female, 79.4%
Race ratioBlack or African American, 9.1% Unknown, 4.6% Hispanic or Latino, 15.8% Asian, 6.4% White, 63.6% American Indian and Alaska Native, 0.5%Black or African American, 12.5% Unknown, 4.3% Hispanic or Latino, 17.1% Asian, 7.4% White, 58.3% American Indian and Alaska Native, 0.4%
LGBT Percentage8%7%

Differences between loan reviewer and loan processor duties and responsibilities

Loan reviewer example responsibilities.

  • Manage the organization's HMDA data and accurately complete the government reporting annually.
  • Review FHA streamline refinance, process and conventional loan application.
  • Evaluate conditions receive on all FHA DE approve files submit electronically for purchase.
  • Review the loans to ensure they are in compliance with Respa and Tila requirements.
  • Work closely with attorneys on daily basis to discuss need documents and possible mitigation or litigation strategies on foreclosure and bankruptcy matters
  • Process loans from opening to closing through DU & LP for non-conforming and conforming.
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Loan processor example responsibilities.

  • Manage a monthly pipeline averaging 100 files from origination to funding per month as a Jr. processor.
  • Review and verify documentation consistent with company policies and compliance of FNMA, FHLMC, FHA/VA, USDA guidelines.
  • Gather all documentation necessary to process mortgage loans in accordance with FNMA and credit union guidelines/requirements.
  • Disclose and re-disclose the LE's and Prelim TRID require CD.
  • Upload monthly reports to FHLMC including principal & interest reports, delinquent loans and appraisals.
  • Ensure conditions on USDA commitments are met and loan files are prepared for closing on time.
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Loan reviewer vs loan processor skills

Common loan reviewer skills
  • Loan Review, 12%
  • Real Estate, 11%
  • Data Entry, 8%
  • Bank Policies, 6%
  • Risk Ratings, 6%
  • FHA, 5%
Common loan processor skills
  • Loan Applications, 22%
  • Customer Service, 20%
  • Property Appraisals, 5%
  • Mortgage Loans, 5%
  • Credit Reports, 5%
  • FHA, 4%

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