Licensed Mortgage Loan Officer Assistant (LOA)-Loan Structuring & Client Relations

Licensed Mortgage Loan Officer Assistant (LOA)

HomeTrino Mortgage
Florida (Remote Eligible)

Job Type: Full-time
Pay: $43,000 - $51,000 per year
Benefits: 401(k)

Job Overview

HomeTrino Mortgage is seeking a Florida-licensed Mortgage Loan Officer Assistant (LOA) to support our growing purchase-focused mortgage operation.

This is not an administrative assistant position. We are looking for a mortgage professional with strong mortgage processing experience, underwriting knowledge, problem-solving skills, and borrower communication abilities.

The ideal candidate can independently analyze mortgage files, identify potential qualification issues, structure loan scenarios, communicate confidently with borrowers, and help move loans efficiently from application through closing.

ResponsibilitiesLoan Structuring & Pre-Approval Support

• Review mortgage applications for accuracy and completeness
• Analyze borrower income, credit, assets, liabilities, and supporting documentation
• Calculate qualifying income, including self-employed and variable-income borrowers
• Structure Conventional, FHA, VA, and USDA loan scenarios
• Run and interpret DU/LPA findings
• Identify qualification concerns and recommend solutions
• Assist with pre-approvals and underwriting preparation
• Ensure files are complete and submission-ready

Borrower Communication

• Communicate directly with borrowers regarding loan requirements and next steps
• Conduct outbound calls to obtain documentation and move files forward
• Follow up consistently on outstanding conditions
• Explain mortgage requirements and financing options clearly and professionally
• Deliver exceptional customer service throughout the loan process

Pipeline Management

• Manage assigned files from application to closing
• Coordinate with Loan Officers, processors, underwriters, title companies, insurance agents, and Realtors
• Monitor milestones and prevent unnecessary delays
• Maintain accurate file documentation and loan status updates
• Assist with clearing conditions and ensuring timely closings

Technology

• Manage loan files within Arive LOS
• Utilize Follow Up Boss CRM
• Maintain accurate notes and pipeline updates
• Track conditions, documentation, and loan milestones

Required Qualifications

• Active Florida Mortgage Loan Originator License (NMLS Required)
• Minimum 2 years of mortgage industry experience
• Mortgage processing experience required
• Strong understanding of residential mortgage underwriting guidelines
• Experience reviewing income, assets, liabilities, credit reports, and financial documentation
• Ability to calculate qualifying income, including self-employed borrowers
• Working knowledge of Conventional, FHA, VA, and USDA mortgage programs
• Experience running and interpreting DU/LPA findings
• Strong verbal and written communication skills
• Strong organizational and time-management skills
• Proficiency with mortgage LOS and CRM systems
• Ability to manage multiple files and deadlines simultaneously
• Ability to work independently in a remote environment

Problem-Solving Requirements

Candidates must possess strong problem-solving and critical-thinking abilities, including:

• Identifying potential underwriting and qualification concerns
• Analyzing complex borrower scenarios
• Researching guideline requirements
• Recommending solutions with minimal supervision
• Anticipating issues before they impact closing timelines
• Taking ownership of loan files and driving them toward resolution

Communication Requirements

• No call reluctance
• Comfortable making outbound calls to borrowers and referral partners
• Ability to explain mortgage concepts in a clear and professional manner
• Strong customer service and relationship-building skills

Availability Requirements

• Occasional evening and weekend availability as business needs require
• Ability to respond to time-sensitive pre-approval and transaction requests

Preferred Qualifications

• 3+ years of mortgage industry experience
• Previous experience as a Licensed LOA, Loan Processor, Underwriter, Mortgage Loan Partner, or Loan Originator
• Experience with Arive LOS
• Experience with Follow Up Boss CRM
• Advanced income-calculation and loan-structuring experience
• Experience supporting high-volume purchase lending
• Experience working with Realtors and referral partners

Compensation & Benefits

• $43,000 - $51,000 annual salary
• Performance-based bonus opportunities
• 401(k) …