Job Description

Your Opportunity

At Envoy Mortgage, part of the PLACE family of companies, we are building a best-in-class mortgage experience powered by people who genuinely care about helping clients achieve homeownership. Our standards are high, our team is driven, and our commitment is to deliver an exceptional experience on every loan we touch.

This is YOUR CHANCE to be at the heart of the mortgage process. As a Loan Originator Assistant, you will partner directly with Loan Originators, clients, and Realtors to support the full lifecycle of every loan from application to close. If you are organized, client-focused, and thrive in a fast-moving environment where every detail matters, this is your PLACE

Who Develops You: Loan Originator / Branch Manager

What You're Great At

You are the kind of person who takes ownership of every file that crosses your desk. You are detail-oriented enough to catch the inconsistencies others miss, organized enough to juggle multiple loans in various stages at once, and people-focused enough to make every client and Realtor interaction feel seamless. You communicate proactively, follow up without being asked, and take pride in keeping transactions moving forward. You are a self-starter who does not need someone looking over your shoulder to stay on task, and you bring energy and professionalism to every interaction whether it is with a first-time homebuyer or a seasoned real estate agent.

What You'll Do

• Facilitate the completion of loan applications and coordinate collection of documentation including credit reports, run DU/LP/AUS, prepare loan files for processing, and send closing cost worksheets to borrowers.
• Serve as a primary point of contact coordinating discussions between the Loan Originator, referral partners, and clients throughout the full lifecycle of the loan process.
• Promote Envoy's products to Real Estate Agents, home buyers, and referral sources while tracking and managing follow-ups consistently.
• Assist Loan Processors with putting scenarios together for prospective clients by researching client scenarios against underwriting and investor guidelines.
• Manage a pipeline of conventional, FHA, VA, and USDA loans along with 203K and reverse mortgage products.
• Request and gather relevant information and documents from borrowers to complete loan applications, structure, and all required disclosures.
• Enter loan applications into the Loan Origination System (LOS) and assign to the appropriate Originator or LOA.
• Review all loan package paperwork for inconsistencies, omissions, and inaccurate income calculations, reporting any errors to the Originator immediately.
• Call and obtain conditions from borrowers and Realtors to clear conditions as necessary, keeping transactions moving toward close.
• Monitor loan progress and communicate effectively with borrowers and all transaction parties on status updates throughout the process.
• Research investor guidelines and stay current on program changes that affect processing or originating of loans in the pipeline.
• Communicate loan approvals by sending pre-approval and commitment letters to all parties involved in the transaction.
• Coordinate closing details with clients including final payment, rate, and cash to close figures.
• Review all closing statements and compare to signed loan estimate worksheets before signings, correcting any discrepancies.
• Review, create, and deliver disclosure and re-disclosure packages to borrowers and document all required receipts.
• Facilitate timely closings by working directly with the Title Company and client to schedule and confirm all closing logistics.
• Order appraisals and third-party services including VOE, Title, certifications, and related documents to create complete loan packages for processing.
• Develop a complete working knowledge of Envoy's products, systems, competitive advantages, processes, policies, and procedures.

What You Bring

• 3 to 5+ years of experience as a Loan Originator Assistant, Loan Partner, Processor, Loan Officer, or Underwriter preferred.
• High school diploma or equivalent required; Bachelor's degree is a plus.
• Working knowledge of Desktop Underwriter/Desktop Originator (DU/DO), Loan Prospector (LP), and originating systems; Encompass experience strongly preferred.
• Proficiency in Microsoft Excel, Word, and Outlook.
• Strong understanding of the residential mortgage banking process including conventional, FHA, VA, USDA, 203K, and reverse mortgage products.
• Ability to analyze issues and create effective resolutions while managing multiple loan files concurrently.
• Exceptional follow-up, time management, and verbal and written communication skills.
• Excellent customer service skills and genuine comfort working in a team environment.
• Self-starter mentality — reliable, detail-oriented, and able to resolve issues without being prompted.
• Social media savvy and a forward-thinking approach to client relationship management.
• Availability to work CST/EST hours is preferred.

Why PLACE/Envoy

We believe people do their best work when they are trusted, supported, and surrounded by others who are equally driven. Envoy Mortgage offers health insurance, paid time off, paid holidays, and a 401(k) plan. Compensation ranges from $21.64 to $31.25 per hour plus a bonus plan. Every team member is an owner, building the PLACE they are proud to call "my company."