Mortgage Solutions Specialist

Champions Mortgage Team; Houston (TX); Hybrid; USD 65,000 - 85,000; Full time

Benefits offered by this job

401(k)

Dental insurance

Health insurance

Paid time off

Job summary

Champions Mortgage Team is seeking a Mortgage Solutions Specialist in Houston, Texas. The ideal candidate will manage complex mortgage loans, collaborate with loan officers, and ensure compliance with guidelines. This role offers an opportunity to work on high-value transactions and grow within loan operations.

The position requires strong communication skills, 3+ years of relevant experience, and a valid NMLS License. Competitive pay between $65,000 and $85,000, with comprehensive benefits included.

Qualifications

• 3+ years in loan structuring, problem-solving, or underwriting support.
• Current and valid NMLS Loan Officer license is required.
• At least ONE year experience working as a licensed loan officer.

Responsibilities

• Review and assess complex loan files for potential issues.
• Structure loans for eligibility and compliance.
• Serve as the primary contact for loan problem resolution.

Skills

Strong verbal, interpersonal and written communication

Strong leadership skills and ability to effectively prioritize tasks

Excellent knowledge of mortgage industry

Excellent problem solving skills

Dependable and flexible schedule

Ability to work in fast paced/high volume environment

Education

Bachelor's or Master's degree in Finance or Economics

Tools

LendingPad

Job description

Mortgage Solutions Specialist

Champions Mortgage is looking for a Mortgage Solutions Specialist to serve as a trusted problem solver for complex mortgage loans. This position works with loan officers, processors, and underwriters to structure loans, resolve issues, and guide them to approval while ensuring compliance with agency, government, and investor guidelines.

Pay

• $65,000.00 - $85,000.00 per year

Job Type

• Full time

Work Location

• In person, Hybrid or Remote

Department

• Underwriting / Pre-Approvals

Reports to

• Loan Operations & Processing Managers

Duties and Responsibilities

• Review and assess complex loan files for potential credit or documentation issues
• Structure loans to optimize borrower eligibility and compliance
• Serve as the primary point of contact for loan problem resolution
• Evaluate exceptions, compensating factors, and eligibility scenarios
• Work closely with loan officers and underwriters to facilitate approvals
• Stay current with product updates, guideline changes, and rate sheet adjustments
• Document recommendations and solutions for audit and QC purposes

Skills Required

• Strong verbal, interpersonal and written communication
• Strong leadership skills and ability to effectively prioritize tasks
• Excellent knowledge base in mortgage industry/familiarity with mortgage guidelines and loan originating process
• Positive attitude and enthusiasm for the role
• Ability to engage clients and provide excellent customer service
• Excellent problem solving skills - ability to think out the box and provide effective solutions to complex loan scenarios
• Ability to be detail orientated, organized and work as a team player
• Ability to handle multiple tasks and complete tasks on a set deadline based on company’s needs
• Dependable and flexible schedule
• Ability to work in fast paced/high volume environment

Job Requirements (Experience and Education)

• 3+ years in loan structuring, problem-solving, or underwriting support
• Deep knowledge of agency, government, and investor guidelines
• Strong analytical skills and ability to review complex loan scenarios
• Excellent communication and interpersonal skills
• Current and valid NMLS Loan Officer license
• At least ONE year experience working as a licensed loan officer or proven work experience/related training that provide the necessary skills, knowledge and abilities required of the job - must be residential/real estate related loan origination experience
• Bachelors or Master’s degree in Finance or Economics or related filed (preferred but not required)

Preferred

• Mortgage Experience in retail, wholesale, or Independent Mortgage Bankers
• Familiarity with LOS systems (LendingPad)
• Experience reviewing Conventional, Self Employed, Jumbo, & Non-QM loan scenarios.

Why Champions Mortgage

• Act as a key solution partner for loan officers and underwriting
• Opportunity to work with complex, high-value mortgage transactions
• Career path in loan operations, structuring, or underwriting leadership

Benefits

• 401(k)
• 401(k) matching
• Dental insurance
• Vision insurance
• Health insurance
• Paid time off
• Voluntary Life Insurance