Loan Officer Assistant (Licensed)

Lower, LLC; Kentucky; Hybrid; USD 45,000 - 65,000; Full time

Benefits offered by this job

Competitive compensation plan

Medical, dental, and vision benefits

Paid time off and holidays

401(k) with company match

Job summary

Lower, LLC is seeking a highly experienced Licensed Loan Officer Assistant (LOA) to support a top-producing Mortgage Loan Originator. This fully remote role requires significant hands-on experience with various loan products and a proactive mindset. You'll manage loan applications, communicate with stakeholders, and ensure compliance throughout the lending process.

The ideal candidate possesses an active NMLS license and at least 3 years of experience. Benefits include competitive compensation and extended health offerings.

Qualifications

• 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, and Non-QM loan products.

Responsibilities

• Serve as the primary operational support for a high-producing Loan Originator.
• Take complete loan applications and manage files from initial disclosure through closing.
• Communicate directly with borrowers, real-estate agents, processors, underwriters, and title companies.

Skills

Loan Officer Assistant experience

Underwriting guidelines

Exceptional communication skills

Organizational skills

Tools

Encompass

Job description

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. We are seeking a highly experienced Licensed Loan Officer Assistant (LOA) to support a top‑producing Mortgage Loan Originator.

Responsibilities

• 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.

Qualifications

• 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, and 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 discretion.

Preferred 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.

Benefits

• Competitive compensation plan.
• Extended benefit offerings—including medical, dental, and vision; paid holidays; paid time off; maternity/paternity leave; life insurance; short‑ and long‑term disability; 401(k) with company match.
• Discount on home mortgage refinances or purchases.

Work Location

Remote (Ohio).

Equal Employment Opportunity Statement

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, and training.