Collateral Processor

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That's why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

The Zippy Collateral Processor plays a crucial role in facilitating the smooth and efficient processing of manufactured home loan applications with a focus on the collateral. Your primary responsibilities will include coordinating community operators selling homes utilizing digital avenues, and collaborating with underwriters and Zippy closers to ensure timely completion of loan files. By leveraging your exceptional organizational skills, attention to detail, and strong communication abilities, you will contribute to the overall success of our loan origination operations and helping our borrowers become home owners!

Review loan applications and associated community documents for accuracy, completeness, and adherence to company guidelines

Verify seller information including home title, purchase agreements, payoffs and other seller conditions

Organize and maintain loan files, ensuring all necessary documentation is included

Communicate effectively with communities via digital avenues providing guidance to communities regarding the documentation needed, requirements, and timelines

Communicate effectively with manufactured housing communities selling homes

Communicate effectively with Zippy team members to quickly align and move files through the application pipeline

Perform administrative tasks related to loan processing, including data entry, file organization, and recordkeeping

Utilize mortgage software and other relevant tools to track and update loan status accurately

Maintain confidentiality and handle sensitive borrower information with care

Passionate about creating better consumer outcomes and solving the affordable housing crisis

Team player that is self-motivated, proactive, task oriented, and solutions-focused (Let's help our borrowers!)

Shows the highest level of integrity, intent, ability and results in all endeavors to build trust

Desire to work and win in an innovative, fast-paced & committed environment

Communicative and open to feedback, and willing to give feedback to others

Collaborative and innovative with a strong desire for the entire team to win together

While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

As a participating employer, we will use E-Verify to confirm employment eligibility.

Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here's what we offer right now:

Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

Training & Licensing Support: We invest in your professional growth with resources for t

2-3+ year of experience in consumer lending or mortgage processing or related.

6+ months of manufactured housing experience or title document exposure required

Proficiency in Microsoft Office and other software tools

Excellent verbal and written communication skills, with the ability to explain complex concepts to borrowers clearly

Strong organizational skills, attention to detail, and the ability to manage multiple tasks simultaneously

Proficiency in using mortgage software, loan origination systems, and other relevant computer applications

Comfortable working with several technology tools in a digital 100% remote environment

Familiarity with mortgage industry regulations, guidelines, and compliance requirements

Ability to work independently as well as collaboratively in a fast-paced, deadline-driven environment

Customer-oriented mindset with a focus on delivering exceptional service to borrowers