Senior Loan Officer Assistant / Pre-Underwriting Specialist

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TYPE OF WORK

Full Time

SALARY

$1,500–$2,000/month DOE

HOURS PER WEEK

40

DATE UPDATED

Aug 7, 2026

JOB OVERVIEW

We are a U.S.-based mortgage brokerage looking for an experienced **Senior Loan Officer Assistant / Pre-Underwriting Specialist** to join our team full-time.

**Schedule:** 40 hours/week, U.S. Pacific Time business hours
**Compensation:** $1,500–$2,000 USD/month, depending on experience and demonstrated technical ability.

This is NOT a basic administrative LOA or document-chasing position.

The primary responsibility of this role is to help our Loan Officer **review and analyze borrower scenarios BEFORE pre-approval and underwriting submission.**

We need someone who can independently think through a mortgage file, identify potential problems, calculate qualifying income, review AUS findings and guidelines, and provide a clear recommendation.

KEY RESPONSIBILITIES

• Review 1003, credit, income, assets, liabilities, REO and supporting documentation
• Perform front-end / pre-underwriting file review
• Calculate qualifying income and DTI
• Review funds to close and reserve requirements
• Identify missing documents and underwriting red flags
• Run and review DU / LP (LPA) findings
• Research agency and lender guidelines when necessary
• Assist with loan structuring and pre-approval analysis
• Present findings and recommended next steps clearly to the Loan Officer

INCOME ANALYSIS

Strong income calculation experience is important.

Candidate should be comfortable reviewing:

• W-2 / Salary / Hourly
• Overtime / Bonus / Commission
• 1099
• Schedule C
• Self-employed borrowers
• 1120S / S-Corporations
• 1065 / Partnerships
• K-1s
• Personal and business tax returns
• P&L statements
• Rental income
• Social Security / Pension / Retirement income

Strong self-employed income analysis experience is highly preferred.

LOAN PROGRAM EXPERIENCE

Strong Conventional knowledge is required.

Experience with the following is preferred:

• Conventional
• FHA
• VA
• Jumbo
• DSCR
• Bank Statement
• 1099 / P&L
• Asset Utilization / Asset Depletion
• Foreign National / ITIN
• Other Non-QM programs

QUALIFICATIONS

• 3+ years of recent U.S. residential mortgage experience
• Prior experience as a Senior LOA, Processor, Pre-Underwriter, Underwriting Assistant, Junior Underwriter, or similar role
• Strong income calculation skills
• Experience reviewing self-employed borrowers and tax returns
• Experience with DU and/or LP
• Strong understanding of credit, assets, liabilities, DTI and reserves
• Strong written and spoken English
• Excellent attention to detail and problem-solving ability
• Able to work independently during U.S. Pacific Time business hours

Experience with ARIVE, UWM, Encompass, LendingPad and wholesale lender portals is a plus.

WHAT WE ARE LOOKING FOR

We are not looking for someone whose mortgage experience is primarily data entry, document collection, borrower follow-up or condition chasing.

We are looking for someone who can answer:

**“Does this borrower qualify, what are the potential problems, and what should we do next?”**

You do not need to know every guideline fro ---------- mory. However, you should know how to research guidelines and return with a well-reasoned answer or possible solution.

COMPENSATION

$1,500–$2,000 USD/month depending on experience and demonstrated technical ability.

We are willing to pay toward the higher end for someone who can independently review complex scenarios, analyze self-employed income, interpret DU/LP findings, identify underwriting problems, research guidelines, and provide clear recommendations.

Exceptional candidates with significant underwriting experience may be considered above the stated range.

HOW TO APPLY

Start your application with:

**PRE-UW REVIEW**

Then answer the following:

1. How many years of U.S. residential mortgage experience do you have, and what mortgage positions have you held?

2. Have you personally reviewed borrower files before pre-approval or underwriting submission? Describe your responsibilities.

3. Which types of income can you independently calculate? Please specifically address W-2, bonus/commission, Schedule C, 1120S, 1065, K-1 and rental income.

4. Describe your experience analyzing self-employed borrowers and business/personal tax returns.

5. Have you personally run DU and/or LP/LPA and reviewed the findings?

6. Which loan programs are you strongest in? Please include any Non-QM experience.

7. Have you used ARIVE? If yes, describe your experience.

8. Describe ONE difficult mortgage scenario you personally reviewed. What was the issue, how did you identify it, and what solution did you recommend?

9. A Loan Officer sends you a new borrower and asks: “Can this borrower qualify?” Walk us through how you would review the file.

10. What is your expected monthly compensation in USD?

11. Can you work 40 hours/week during U.S. Pacific Time business hours?

12. When can you start?

Shortlisted candidates will be asked to complete a **mortgage case-review assessment** before the final interview.

We are looking for a long-term tea ---------- mber with strong U.S. mortgage knowledge, analytical ability, ownership, and problem-solving skills.

SKILL REQUIREMENT
Mortgages Financial Analysis Loan Processing
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