Mortgage processor/ Loan officer assistant

Home Access Financial is seeking an experienced Virtual Assistant to support our growing commercial and business purpose lending division. This is a strategic, client-facing role requiring strong analytical skills, investor knowledge, and excellent communication abilities.
Salary: $1,000/month USD
About Us:
Home Access Financial is a nationwide commercial mortgage broker specializing in business purpose lending. We work with multiple investors across the country to provide financing solutions for commercial real estate, investment properties, DSCR loans, fix-and-flip, and other business purpose transactions.
Role Overview:
You will function as a parabroker-processor, independently managing commercial loans from initial client contact through closing. You'll be the primary liaison between borrowers, investors, and loan officers, handling everything except final approvals and relationship management.
Key Responsibilities:
Client Management & Consultation

Conduct initial consultations with borrowers to assess financing needs
Structure loan scenarios and present financing options
Serve as primary point of contact throughout the loan process
Educate clients on commercial lending requirements and timelines
Manage client expectations and provide proactive status updates

Investor Relations & Loan Structuring

Pre-qualify loans against multiple approved investor guidelines
Compare investor programs to identify best rates, terms, and fit
Build relationships with investor underwriters and account executives
Negotiate rates, terms, and exceptions when needed
Stay current on all investor guideline changes and programs
Make strategic recommendations on investor selection

Document Analysis & Financial Review

Collect and analyze business tax returns, financial statements, and bank statements
Review corporate documents, rent rolls, leases, and property information
Calculate DSCR, debt-to-income ratios, and other qualifying metrics
Verify documentation accuracy and identify potential issues
Conduct pre-submission due diligence to maximize approval odds

Loan Processing & Submission

Prepare complete, professional loan packages for investor submission
Submit loans through investor portals and systems
Monitor loan progress through underwriting
Address underwriting conditions and stipulations promptly
Clear conditions efficiently by coordinating with borrowers and third parties
Problem-solve challenges and find creative solutions to obstacles

Coordination & Communication

Coordinate between borrowers, loan officers, and investors throughout the process
Order and track appraisals, environmental reports, and third-party services
Review settlement statements and coordinate closing timelines
Ensure all pre-closing and post-closing conditions are satisfied
Maintain organized, audit-ready loan files

Pipeline & Reporting

Manage multiple complex transactions simultaneously
Track critical deadlines including rate locks, commitments, and expirations
Provide regular pipeline updates to loan officer and management
Ensure compliance with business purpose lending regulations

Required Qualifications:

Minimum 3 years experience in commercial loan processing or mortgage brokering
Strong knowledge of commercial lending guidelines and investor requirements
Experience working with business purpose loans (DSCR, fix-and-flip, rental property, commercial real estate)
Experience working with multiple wholesale lenders/investors as a broker
Proven ability to analyze financial statements and business tax returns
Experience with loan origination systems (LOS)
Excellent written and verbal English communication skills
Strong attention to detail and organizational skills
Ability to work independently and manage multiple deadlines
Proficient in Microsoft Excel, Google Sheets, and document management

Preferred Qualifications:

Experience in a mortgage broker environment working with multiple lenders
Familiarity with nationwide commercial real estate lending
Previous experience as a loan processor or underwriter assistant
Knowledge of appraisal review and property analysis
Experience with investor rate shopping and program comparison

Work Schedule:

Must be available during US Eastern Time business hours (overlap required)
Full-time position (40 hours/week)
Fast-paced environment with time-sensitive deadlines

What We Offer:

Competitive monthly salary of $1,000 USD
Opportunity to grow with an expanding nationwide commercial lending operation
Work directly with company president
Long-term career opportunity in US commercial mortgage brokering
Exposure to diverse loan products and investor relationships

To Apply:
Please submit your resume along with a brief cover letter addressing:

Your specific experience with commercial or business purpose loans
Your experience working with multiple lending investors/wholesale lenders in a broker environment
Your experience analyzing business financial statements
Examples of complex loans you've successfully processed

We look forward to hearing from qualified candidates!