US Loan Officer Assistant | Encompass LOS

Bring Proven Encompass Expertise to a Leading U.S. Mortgage Operation

Exceptional mortgage operations depend on professionals who bring precision, expertise, and confidence to every loan journey. The US Loan Officer Assistant applies proven Encompass LOS and U.S. mortgage experience to strengthen file quality, accelerate underwriting readiness, and support seamless borrower outcomes nationwide. Your expertise contributes directly to lending performance at scale. With Emapta, Top 1% talent gains premium benefits, global exposure, stability, development, and long-term career growth.

Snapshot

• Employment Type: Full-time
• Work Setup: Permanent Work From Home
• Shift: Night Shift, Weekends Off

Benefits

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Fixed weekends off
• Permanent WFH arrangement
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

Qualifications

Required

• At least 2 years of direct U.S. mortgage experience in loan origination, loan processing, loan opening, or a Loan Officer Assistant role
• Hands-on experience using Encompass Loan Origination System (LOS) is required and non-negotiable
• Strong knowledge of U.S. conventional, FHA, VA, and USDA loan documentation and processes
• Experience with Automated Underwriting Systems (AUS), including Desktop Underwriter (DU) and Loan Product Advisor (LPA/LP)
• Knowledge of mortgage disclosures, compliance requirements, and FNMA/FHLMC documentation
• Experience managing multiple active loan files and supporting Loan Officers, preferably in a high-volume environment
• Strong organizational, prioritization, and time management skills
• Excellent written and verbal communication skills
• High attention to detail and accuracy
• Ability to work independently, follow established processes, and maintain confidentiality
• Strong customer service, problem-solving, and cross-functional collaboration skills
• Proficiency in Microsoft Office Suite and document management systems

Preferred

• Experience using Blend
• Experience supporting high-volume U.S. mortgage Loan Officers

Responsibilities

Pre-Approval Support

• Prepare TBD (To Be Determined) approval disclosures
• Send Loan Estimates (LEs) through Blend or the designated Loan Origination System (LOS)
• Run Automated Underwriting System (AUS) findings
• Review and organize borrower documentation
• Prepare files for submission to Pre-Approval Underwriting
• Ensure all required pre-approval documentation has been collected

Loan File Setup

• Create, organize, and maintain new U.S. mortgage loan files within Encompass or the designated Loan Origination System (LOS)
• Complete loan setup notes, including 1003 URLA documentation
• Rename and organize electronic documents according to company standards
• Review files to identify missing documentation
• Pull property profiles and tax records
• Maintain complete and accurate loan documentation throughout the process

Order Third-Party Services

• Process Employment Verifications (VOE/WVOE)
• Obtain Evidence of Insurance (EOI)
• Request Replacement Cost Estimates (RCE)
• Collect homeowners insurance information
• Secure HOA certificates
• Request mortgage payoff statements
• Obtain Verification of Mortgage (VOM)
• Obtain Verification of Rent (VOR)
• Order credit supplements
• Coordinate collection payoffs
• Request IRS tax transcripts
• Order flood certifications
• Complete property data verification

Pre-Processing and Loan Scrub

• Review loan files for completeness and accuracy
• Complete internal file contact information
• Request title