Loans Assistant / Administrator

Loans Assistant / Administrator

This full-time, remote role supports a high-volume wholesale mortgage pipeline with a strong focus on investor DSCR, Non-QM and selected conventional loans. The work centres on accurate pricing, professional borrower communication and ensuring files progress efficiently from application through to clear-to-close.

ABOUT THE ROLE

• Price loans using wholesale product and pricing engines such as LoanSifter and Optimal Blue, including direct engagement with account executives where automated pricing does not provide suitable options
• Produce precise, executable term sheets and options for borrowers and referral partners, and manage follow-up until a final selection is confirmed
• Gather all information required to quote accurately, including credit profile, occupancy, loan purpose, property details, loan size, rent, entity structure, rural/lot size and expected timeline
• Take ownership of borrower and third-party follow-ups, including the collection of IDs, entity documents, leases, insurance, title, appraisals, homeowner’s insurance and payoffs
• Set files up accurately in Arive, maintain current needs and conditions, and proactively highlight any risks to rate locks or closing timelines
• Prepare and submit complete files to wholesale lenders and work through underwriting conditions to achieve clear-to-close
• Track title, appraisal via AMC, insurance and closing disclosure/closing items to ensure a timely and orderly closing process
• Escalate only those locks, exceptions and credit decisions that genuinely require senior input, enabling the mortgage loan originator to focus on approvals and locking strategy

WHAT YOU’LL NEED

• Minimum 2 years’ experience as a loan processor within a wholesale mortgage broker or lender environment
• Experience as a loan assistant/loan officer assistant, or in a role combining processing and assistant responsibilities
• Hands-on pricing experience using wholesale product and pricing engines such as LoanSifter, Optimal Blue or similar tools, including direct communication with account executives when needed
• Ability to work within a live loan origination system from day one; Arive is the primary system of record, with familiarity in systems such as Encompass or Byte advantageous where it supports rapid adoption of Arive
• Proven experience handling DSCR, Non-QM and investor-entity loans, including LLC documentation, leases, DSCR calculations, insurance and title for non-owner-occupied properties
• Confidence in emailing borrowers detailed loan terms and managing communication with title companies, AMCs and insurance providers without reliance on scripts
• Strong written English that is clear, accurate and professional for communication with both borrowers and underwriters
• Reliable working overlap with Pacific Time hours (approximately 7:00 a.m.–3:00 p.m. PT)
• Prior experience working for a US-based company, with direct exposure to US mortgage processing practices
• Demonstrated ability to manage loan conditions from submission through to clear-to-close in a wholesale environment
• NICE TO HAVE
• Experience processing conventional and FHA loans
• Familiarity with entity vesting, operating agreements and consents to borrow
• NMLS awareness or processor licensing (not mandatory)

HOW WE WORK

• Full-time, remote working arrangement aligned broadly to 10:00 a.m.–6:00 p.m. EST (approximately 4:00 p.m.–12:00 a.m. South Africa time)
• Wholesale mortgage brokerage setting, where the pipeline is managed in Arive and the core workflow involves quoting, sending terms and processing investor-focused loans
• The loans assistant/administrator manages pricing, communication and file progression, while the mortgage loan originator concentrates on locking strategy and handling exceptions
• Small, specialised brokerage environment focused on investor loans, including hard money and rental property debt, with access to a wide range of wholesale lenders
• Preference for candidates based in South Africa with solid US mortgage processing experience and the ability to work consistent US hours from Monday to Thursday
• To be considered, please submit your CV detailing relevant wholesale mortgage processing experience and your alignment to the required working hours.