Loan Officer Assistant/Processor

Primary Residential Careers•Houston, TX

15d

About The Position

The LOA / Processor supports the lending process from application through closing, ensuring accuracy, compliance, and a positive borrower experience. This position requires an experienced professional who excels in income analysis, documentation management, and communication with all parties involved in the loan process. The role is ideal for someone familiar with the Independent Mortgage Banker (IMB) environment and construction-to-perm loans.

Requirements

Strong interpersonal skills with a customer-service mindset and ability to explain loan requirements in simple, professional terms.
Comfortable managing client relationships and representing the Loan Officer in borrower communications.
Minimum 3 years of mortgage processing experience required, preferably within an Independent Mortgage Banker (IMB) environment.
Strong working knowledge of FHA, VA, USDA, and Conventional loan programs.
Proven ability to calculate complex income including self-employed and variable-income borrowers.
Experience with construction-to-perm loans is strongly preferred.
Proficiency in Encompass or comparable LOS.
Excellent organizational and multitasking skills in a deadline-driven environment.
Strong written and verbal communication abilities.
High level of attention to detail, accuracy, and compliance.

Nice To Haves

Prior experience in a Loan Partner or Loan Officer Assistant role highly preferred.
Ability to manage both front-end loan setup and back-end processing responsibilities.
Experience processing construction-to-permanent or one-time-close loans.
Prior experience working in a hybrid environment (in-office and remote).
Demonstrated ability to work independently while managing multiple active files.
Strong customer service orientation and proactive communication skills.
Familiarity with PRMI systems, processes, and compliance protocols.

Responsibilities

Collaborate with the Loan Officer at the application stage to review initial borrower documentation and structure the file for underwriting success.
Communicate directly with borrowers to explain document requirements, gather missing items, and answer questions throughout the process.
Review credit, income, and asset documents early in the process to identify potential issues and recommend solutions before submission.
Set up files accurately in the LOS, ensuring all required disclosures and compliance documents are completed.
Maintain proactive communication between borrower, Loan Officer, and builder throughout construction and closing phases.
Manage the loan pipeline from initial submission through clear-to-close.
Review and verify borrower documentation including income, assets, credit, and property details.
Perform detailed income calculations for W-2, commission, and self-employed borrowers.
Ensure all files meet PRMI, investor, agency, and regulatory guidelines.
Coordinate with loan officer, underwriters, title companies, appraisers, and builders to facilitate on-time closings.
Maintain proactive borrower communication throughout the process, providing clear status updates.
Submit files to underwriting, satisfy loan conditions, and prepare for final closing.
Maintain accurate records in Encompass
Deliver exceptional service to both internal and external customers.