Loan Officer Assistant (Boise, ID area)

CMG Financial; Boise (ID); On-site; USD 28,000 - 40,000; Full time

Benefits offered by this job

Per-file incentive bonus

Overtime eligibility

Job summary

CMG Financial is seeking a skilled Licensed Loan Officer Assistant in Boise, Idaho. This role supports a high-producing mortgage team, handling front-end activities from lead through pre-approval and contract.

You will apply guideline knowledge and research to position loan files for success while collaborating with Loan Officers and referral partners. The ideal candidate brings mortgage lending experience, a strong understanding of agency guidelines, and a willingness to obtain required

Qualifications

• Significant mortgage lending experience with strong understanding of agency/investor guidelines.
• Active NMLS license or willingness to obtain licensing with company support.
• Enjoy digging into guidelines and researching solutions rather than giving up.
• Strong income-calculation skills, including self-employed, variable, and nontraditional income.
• Understand AUS findings and the underlying guidelines behind them.
• Comfortable reviewing borrower income, assets, credit, liabilities, and qualifying ratios.
• Curious and resourceful; research when you don't know the answer.

Responsibilities

• Review mortgage applications and supporting docs for accuracy and completeness.
• Calculate borrower income and qualifying ratios, including complex scenarios.
• Review assets, credit, liabilities, and documentation to identify qualification issues.
• Run, review, and interpret AUS findings.
• Research agency, investor, and product guidelines to determine loan eligibility and structure.
• Identify documentation requirements and items needed for pre-approval.
• Assist Loan Officer with evaluating and structuring loan scenarios.
• Prepare files for accurate pre-approval and position for processing.

Skills

Mortgage lending experience

NMLS license

Guideline research

Income calculations

AUS findings

Job description

LICENSED LOAN OFFICER ASSISTANT

Join a high-producing mortgage team where expertise, ownership, and teamwork matter.

We're looking for an experienced mortgage professional to join a fast-paced, high-producing team. An active NMLS license is preferred; however, we are open to considering a strong candidate who is not currently licensed and helping the right person obtain the required licensing.

This is more than a position focused on collecting documents and moving files through the system. We're looking for someone who really understands mortgage lending, enjoys solving problems, and takes ownership of getting loans positioned for success.

Our ideal candidate is a guideline expert - the person others naturally turn to when a file is complicated or the obvious answer may not be the right one. You understand Conventional, FHA, VA, and other common lending guidelines, know how to research what you don't know, and enjoy finding solutions within the guidelines.

Just as importantly, we're looking for someone who genuinely enjoys being part of a team. We communicate constantly, jump in to help one another, and celebrate our wins together. Collaboration, accountability, and team chemistry are extremely important to us.

WHO WE'RE LOOKING FOR

You may be a great fit if you:

• Have significant mortgage lending experience and a strong understanding of agency and investor guidelines.
• Hold an active Mortgage Loan Originator license through NMLS, or are willing and able to obtain the required licensing. For a strong overall candidate, we are willing to provide support through the licensing process.
• Enjoy digging into guidelines and researching solutions rather than immediately concluding that a loan cannot be done.
• Have strong income-calculation skills, including experience with self-employed, variable, and nontraditional income.
• Understand AUS findings and the underlying guidelines behind them.
• Are comfortable reviewing borrower income, assets, credit, liabilities, and qualifying ratios.
• Are naturally curious and resourceful. When you don't know an answer, your instinct is to research it and find it.
• Are highly detail-oriented and understand that small issues on the front end can create significant problems later in the loan process.
• Take ownership and anticipate next steps without needing to be continually directed.
• Can effectively manage multiple borrowers, priorities, follow-ups, and deadlines at the same time.
• Communicate proactively and understand that responsiveness is critical to providing an exceptional experience for clients and referral partners.
• Recognize potential problems early and bring both the issue and possible solutions to the team.
• Enjoy collaborating and believe successful teams operate with a we mentality rather than a that's not my job mentality.
• Thrive in a high-volume environment where expectations are high and there are significant opportunities to learn and grow.

WHAT YOU'LL OWN

This position plays an important role on the front end of the mortgage process - from new lead through pre-approval and contract.

Key responsibilities include:

• Review mortgage applications and supporting documentation for accuracy and completeness.
• Calculate borrower income and qualifying ratios, including complex income scenarios.
• Review assets, credit, liabilities, and other documentation to identify potential qualification issues.
• Run, review, and interpret automated underwriting system (AUS) findings.
• Research agency, investor, and product guidelines to help determine loan eligibility and structure.
• Identify documentation requirements and outstanding items needed to complete the pre-approval process.
• Assist the Loan Officer with evaluating and structuring loan scenarios.
• Prepare files for accurate and thorough pre-approval.
• Manage and maintain communication with active pre-approved buyers.
• Track outstanding documentation, borrower follow-ups, and important deadlines.
• Proactively identify potential issues and work with the Loan Officer and team to develop solutions.
• Maintain clear, timely communication with borrowers, referral partners, and internal team members.
• Help ensure files are well-structured, thoroughly reviewed, and positioned for success before reaching processing or underwriting.
• Anticipate next steps and close communication and documentation loops without requiring repeated follow-up.

WHAT SUCCESS LOOKS LIKE

We're looking for someone who thinks beyond the task immediately in front of them and consistently asks:

"What else does this file need? What could become a problem? What can I solve now? Who needs to know?"

You take ownership, anticipate what comes next, and close the loop.

If you prefer working strictly from a checklist or completing only assigned tasks, this may not be the right opportunity. This role is best suited for someone who enjoys thinking critically, researching guidelines, solving problems, and taking responsibility for moving borrowers forward.

WHY THIS IS A GREAT OPPORTUNITY

You’ll join an established, high-producing mortgage team with significant production, strong referral relationships, diverse loan scenarios, and ambitious plans for continued growth.

You’ll gain exposure to much more than straightforward mortgage transactions. You’ll have the opportunity to work on interesting and challenging files, deepen your guideline and product knowledge, and collaborate with experienced mortgage professionals who take pride in their work.

We work hard and move quickly, but we also genuinely enjoy working together. We value communication, accountability, collaboration, humor, and people who are willing to jump in when a teammate needs help.

For the right person, this is more than another mortgage operations position. It's an opportunity to become an integral part of a high-performing team and grow with us.

Mortgage lending experience is required. An active NMLS license is preferred, but we will consider an exceptional candidate who is willing and able to obtain the required licensing. Strong guideline knowledge, problem-solving ability, communication skills, and a true team mentality will set the right candidate apart.

SUPERVISORY RESPONSIBILITIES

Direct Reports: None

PHYSICAL AND ENVIRONMENTAL CONDITIONS

This role operates in an ADA-compliant office environment and involves the use of standard office equipment, including regular computer work. The position may involve periods of stationary work as well as movement throughout the workday. Flexibility to work overtime when needed to meet business demands and deadlines may be required.

COMPENSATION

Base Compensation: $20.00-$29.00 per hour, plus eligibility for a per-file incentive/bonus program and overtime when applicable.

The compensation range represents CMG's good-faith estimate for this position at the time of posting. Actual compensation will be determined based on factors such as relevant mortgage industry experience, job-related knowledge and skills, qualifications, prior responsibilities, geographic location, and other legitimate business considerations.

Additional information regarding incentive compensation and eligibility will be provided during the interview process.