Pre-Approval Specialist/Loan Officer Assistant (Mortgage)

TL;DR

Pre-Approval Specialist/Loan Officer Assistant (Mortgage): Providing support to loan officers by pre-underwriting and pre-approving mortgage loans with an accent on financial document review and pipeline management. Focus on analyzing complex income sources, ensuring document compliance, and streamlining the loan closing process.

Location: Must operate within Pacific Time zone working hours to support the West Coast region

Salary: Hourly Rate: $28.84 - $31.25

Company

The nation's leading distributed retail mortgage lender with over 7,000 employees and 700 branches operating across all 50 US states.

What you will do

• Collaborate with loan officers to structure and restructure loans.
• Pre-underwrite and pre-approve loans by reviewing paystubs, W-2s, bank statements, and credit reports.
• Audit loan files for missing documentation and generate needs lists to ensure loan stability.
• Deliver rate disclosures, re-disclosure packages, and communicate loan details and cost estimates to borrowers.
• Manage a diverse loan pipeline including Conforming, FHA, VA, USDA, Jumbo, and Non-QM products.
• Perform system entry and document preparation using Encompass, Blend, Optimal Blue, and Mortgage Coach.

Requirements

• Minimum of 5 years of mortgage banking and real estate transaction experience.
• NMLS and state MLO license (preferred).
• Proficiency in evaluating complex self-employed income (1040s, 1065s, 1120s) and RSU income.
• Experience with Encompass, Optimal Blue, Mortgage Coach, and automated underwriting systems (DU/LP).
• High School Diploma, GED, or equivalent.
• Ability to work within Pacific Time zone hours.

Culture & Benefits

• Competitive compensation plan and bonus eligibility.
• Robust benefits package including medical, dental, and vision insurance.
• 401K retirement plan.
• Company-provided short-term disability and wellness program.
• Employee assistance program (EAP) and a culture that encourages entrepreneurial spirit and growth.