Licensed Mortgage Loan Officer Assistant (LOA)-Loan Structuring & Client Relations

HomeTrino Mortgage; Florida; A distancia; USD 43.000 - 51.000; Jornada completa

Descripción de la vacante

HomeTrino Mortgage is seeking a Florida-licensed Mortgage Loan Officer Assistant (LOA) to support our purchase-focused mortgage operation. This is not a purely administrative role; we want a mortgage professional who can analyze files, structure loan scenarios, and communicate confidently with borrowers.

The ideal candidate will review income, assets, and credit, run DU/LPA findings, assist with pre-approvals and underwriting, and coordinate with Loan Officers, processors, underwriters, title

Formación

• Active Florida Mortgage Loan Originator License (NMLS) required
• Minimum 2 years mortgage industry experience
• Mortgage processing experience required
• Working knowledge of Conventional, FHA, VA, and USDA mortgage programs

Responsabilidades

• Review mortgage applications for accuracy and completeness
• Analyze borrower income, assets, liabilities, and supporting documentation
• Structure Conventional, FHA, VA, and USDA loan scenarios
• Run and interpret DU/LPA findings
• Assist with pre-approvals and underwriting preparation
• Coordinate with Loan Officers, processors, underwriters, title companies, insurers, and Realtors

Conocimientos

Mortgage processing

Underwriting knowledge

Borrower communication

Time management

Remote work

Herramientas

Arive LOS

Follow Up Boss CRM

Descripción del empleo

Licensed Mortgage Loan Officer Assistant (LOA)-Loan Structuring & Client Relations

Job Type: Full-time

Pay: $43,000 - $51,000 per year

Job Overview

HomeTrino Mortgage is seeking a Florida-licensed Mortgage Loan Officer Assistant (LOA) to support our growing purchase-focused mortgage operation.

This is not an administrative assistant position. We are looking for a mortgage professional with strong mortgage processing experience, underwriting knowledge, problem-solving skills, and borrower communication abilities.

The ideal candidate can independently analyze mortgage files, identify potential qualification issues, structure loan scenarios, communicate confidently with borrowers, and help move loans efficiently from application through closing.

Responsibilities

Loan Structuring & Pre-Approval Support

• Review mortgage applications for accuracy and completeness
• Analyze borrower income, credit, assets, liabilities, and supporting documentation
• Calculate qualifying income, including self-employed and variable-income borrowers
• Structure Conventional, FHA, VA, and USDA loan scenarios
• Run and interpret DU/LPA findings
• Identify qualification concerns and recommend solutions
• Assist with pre-approvals and underwriting preparation
• Ensure files are complete and submission-ready

Borrower Communication

• Communicate directly with borrowers regarding loan requirements and next steps
• Conduct outbound calls to obtain documentation and move files forward
• Follow up consistently on outstanding conditions
• Explain mortgage requirements and financing options clearly and professionally
• Deliver exceptional customer service throughout the loan process
• Manage assigned files from application to closing
• Coordinate with Loan Officers, processors, underwriters, title companies, insurance agents, and Realtors
• Monitor milestones and prevent unnecessary delays
• Maintain accurate file documentation and loan status updates
• Assist with clearing conditions and ensuring timely closings

Technology

• Manage loan files within Arive LOS
• Utilize Follow Up Boss CRM
• Maintain accurate notes and pipeline updates
• Track conditions, documentation, and loan milestones

Required Qualifications

• Active Florida Mortgage Loan Originator License (NMLS Required)
• Minimum 2 years of mortgage industry experience
• Mortgage processing experience required
• Strong understanding of residential mortgage underwriting guidelines
• Experience reviewing income, assets, liabilities, credit reports, and financial documentation
• Ability to calculate qualifying income, including self-employed borrowers
• Working knowledge of Conventional, FHA, VA, and USDA mortgage programs
• Experience running and interpreting DU/LPA findings
• Strong verbal and written communication skills
• Strong organizational and time-management skills
• Proficiency with mortgage LOS and CRM systems
• Ability to manage multiple files and deadlines simultaneously
• Ability to work independently in a remote environment

Problem-Solving Requirements

Candidates must possess strong problem-solving and critical-thinking abilities, including:

• Identifying potential underwriting and qualification concerns
• Researching guideline requirements
• Recommending solutions with minimal supervision
• Anticipating issues before they impact closing timelinesTaking ownership of loan files and driving them toward resolution

Communication Requirements

• No call reluctance
• Comfortable making outbound calls to borrowers and referral partners
• Ability to explain mortgage concepts in a clear and professional manner
• Strong customer service and relationship-building skills

Availability Requirements

• Occasional evening and weekend availability as business needs require
• Ability to respond to time‑sensitive pre‑approval and transaction requests

Preferred Qualifications

• 3+ years of mortgage industry experience
• Previous experience as a Licensed LOA, Loan Processor, Underwriter, Mortgage Loan Partner, or Loan Originator
• Experience with Arive LOS
• Experience with Follow Up Boss CRM
• Advanced income‑calculation and loan‑structuring experience
• Experience working with Realtors and referral partners
• $43,000 - $51,000 annual salary
• Performance‑based bonus opportunities
• Remote work flexibility
• Professional development and training opportunities
• Access to Arive LOS and Follow Up Boss CRM
• Career advancement opportunities within a growing mortgage company
• Collaborative team environment

Health insurance is not currently offered with this position.

Why Join HomeTrino Mortgage?

HomeTrino Mortgage is a growing mortgage company focused on helping homebuyers achieve homeownership through exceptional service, strong mortgage expertise, and strategic partnerships with HomeTrino Realty.

We are looking for professionals who enjoy solving problems, taking ownership of their work, and contributing to a high‑performing team. If you're seeking a role where your mortgage knowledge, communication skills, and analytical abilities are valued, we'd love to hear from you.

HomeTrino Mortgage is an Equal Opportunity Employer.