Loan Officer Assistant (Licensed)

Lower, LLC.; Houston (TX); On-site; USD 90,000 - 110,000; Full time

Benefits offered by this job

Competitive compensation plan

Medical/dental/vision

Paid holidays

Paid time off

401K with company match

Discount on home mortgage refinancing

Job summary

A leading fintech mortgage lender in Houston is seeking a Licensed Loan Officer Assistant to support a top-producing Mortgage Loan Originator. The role involves managing loan applications from start to finish, ensuring compliance, and delivering exceptional borrower experiences. Ideal candidates will have an active NMLS license and a minimum of 3 years' experience in a similar role, with a strong understanding of various loan products. This position offers competitive compensation and the opportunity for long-term growth.

Qualifications

• Experience supporting a top-producing originator.
• Hands-on experience with multiple loan products.
• Ability to manage a high-volume pipeline.

Responsibilities

• Manage files from application through closing.
• Ensure compliance with federal and state guidelines.
• Analyze borrower documentation for accuracy.

Skills

Active NMLS license

Conventional loan products

FHA loan products

VA loan products

Non-QM loan products

Communication skills

Organizational skills

Education

Minimum of 3 years’ experience as a Loan Officer Assistant

Tools

Encompass

Job description

Loan Officer Assistant (Licensed) page is loaded## Loan Officer Assistant (Licensed)locations: Remote-TXtime type: Full timeposted on: Posted Yesterdayjob requisition id: JR100343Here at **Lower**, we believe homeownership is the **key to building wealth**, and we’re making it **easier and more accessible** than ever. As a **mission-driven fintech**, we simplify the home-buying process through cutting-edge technology and a **seamless customer experience**.With **tens of billions in funded home loans** and top ratings on **Trustpilot (4.8), Google (4.9), and Zillow (4.9)****Our people.** Join us and be part of something bigger.**Job Description:**Lower is a top 25 tech-driven retail mortgage lender dedicated to helping more people achieve homeownership and build wealth through real estate. We combine innovative technology with a personalized, local lending approach, giving our branches and loan originators the tools, speed, and support to deliver an exceptional experience for borrowers and referral partners. Our focus is on simplifying the mortgage process, driving growth for our branches, and setting the standard for service in the retail mortgage industry.We are seeking a highly experienced **Licensed Loan Officer Assistant (LOA)** to support a **top-producing Mortgage Loan Originator** in the Houston market. This role is ideal for a detail-oriented, proactive professional who thrives in a fast-paced, high-volume environment and has deep knowledge across multiple loan products.The ideal candidate will act as a true partner to the originator—managing files from application through closing, ensuring exceptional borrower experience, and helping drive consistent, scalable production.**What you'll do:*** Serve as the primary operational support for a high-producing Loan Originator* Take complete loan applications and manage files from initial disclosure through closing* Analyze borrower documentation (income, assets, credit, guidelines) for accuracy and completeness* Structure and package loans across **Conventional, FHA, VA, and Non-QM** programs* Communicate directly with borrowers, real estate agents, processors, underwriters, and title companies* Ensure compliance with federal, state, and investor guidelines* Proactively identify and resolve issues that could delay approval or closing* Maintain pipeline reports and ensure deadlines are consistently met* Deliver a white-glove borrower experience that supports referral-based growth**Who you are:*** **Active NMLS license** (Texas required)* **Minimum of 3 years’ experience** as a Loan Officer Assistant or Loan Officer* Significant hands-on experience with: + Conventional + FHA + VA + Non-QM loan products* Strong understanding of underwriting guidelines and loan structuring* Proven ability to manage a high-volume pipeline with precision and urgency* Exceptional communication and organizational skills* High level of professionalism, accountability, and discretionPreferred Qualifications:* Experience supporting a top-producing or high-volume originator* Non-QM expertise beyond bank statement loans (DSCR, asset-based, etc.)* Tech-savvy with Encompass experience* Self-starter mindset with the ability to anticipate needs and take ownership**Why you’ll love it:*** You’ll feel rewarded for your work—both financially through uncapped commission and through knowing you’ve made a difference to your customers by helping them with one of the most important life decisions* Support a **top producer** with a consistent, high-quality pipeline* Long-term growth opportunity with a stable, successful originator* High autonomy and trust—your expertise will be valued and utilized* Fast-paced, rewarding role with meaningful impact on production and client satisfaction**When you join:*** You’ll join a locally and nationally recognized best place to work that values promotion from within.* Plus: + Competitive compensation plan + Extended benefit offerings including: - Medical/dental/vision - Paid holidays - Paid time off - Maternity/Paternity leave - Life insurance - Short- and long-term disability - 401K with company match + Discount on home mortgage refinances or purchases**Where you’ll work:*** Houston, TX either on-site or hybrid capacity (based on your preference)**Compensation**:* base + performance based incentives. OTE potential is $100k+Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.Here at Lower, we believe homeownership is the greatest wealth creator in America today. Our goal is to make homeownership accessible to more people. We also know the path to get there can be daunting; but it doesn’t need to be. As a mission-driven fintech, everything we do revolves around simplifying the home buying process. Through our growing family of companies and products, our team meets customers where they want to do business at every step of the journey.Lower has originated, underwritten, and funded tens of billions of dollars in home loans and offers an industry-leading customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, 4.9 on Zillow, and A+ from the Better Business Bureau.We innovate through technology, but our people are what sets us apart.