Mortgage Funder at Boxcar Mortgage LLC – Atlanta, Georgia

About BoxCar Mortgage

BoxCar Mortgage is a trusted name in residential lending, dedicated to helping families achieve their homeownership goals. We pride ourselves on a culture of integrity, collaboration, and professional growth. As we continue to expand, we’re looking for talented individuals who share our commitment to excellence in every transaction.

Position Overview

The Mortgage Funder is responsible for assigning a warehouse bank based on loan criteria, completing wire approvals, ordering wires and reviewing funding conditions prior to disbursing funds. This role serves as a critical quality checkpoint in the loan closing process, ensuring accuracy, regulatory compliance, and a seamless borrower experience. The ideal candidate brings 2+ years of hands-on funding experience and thrives in a detail-oriented, deadline-driven environment.

Key Responsibilities

• Review loan terms and documents for wire approval
• Coordinate with closers, processors, underwriters, title companies, and warehouse lenders to resolve any outstanding items prior to funding.
• Request and reconcile wire transfers, ensuring funds are sent accurately and within required time frames.
• Maintain thorough knowledge of federal and state lending regulations (TRID, RESPA, ECOA) and ensure all funded loans meet compliance standards.
• Communicate funding status updates to internal teams and external partners in a timely and professional manner.
• Identify discrepancies or potential issues in loan files and escalate as appropriate to prevent funding delays.
• Maintain organized records of all funded loans and supporting documentation for audit and quality control purposes.
• Support post-funding activities including trailing document collection and investor delivery requirements.

Qualifications

Required

• 2+ years of experience in mortgage funding, closing, or a closely related loan operations role.
• Strong working knowledge of conventional, FHA, VA, and USDA loan programs.
• Familiarity with TRID, RESPA, and other federal and state regulatory requirements.
• Proficiency with loan origination systems
• Excellent attention to detail with the ability to review complex documents under tight deadlines.
• Strong communication and organizational skills.

Preferred

• Experience working with warehouse lending and investor guidelines.
• Knowledge of e-closing and digital mortgage processes.
• Prior experience in a high-volume lending environment.
• Experience with Meridian Link Mortgage, Compliance Ease and OptiFunder

What We Offer

• Competitive salary
• Comprehensive benefits package including medical, dental, and vision coverage.
• 401(k) plan with company match.
• Paid time off and paid holidays.
• Professional development and continuing education support.
• A supportive, team-oriented work culture focused on career growth.