Mortgage Loan Specialist / Loan Officer Assistant (LOA)

Mortgage Loan Specialist / Loan Officer Assistant (LOA)

About the Role

Extraco Banks is seeking a highly organized and customer-focused Mortgage Loan Specialist / Loan Officer Assistant (LOA) to join our Mortgage team in Waco, Texas. This position plays a critical role in supporting the mortgage origination process by partnering with Mortgage Loan Officers to ensure loan files are complete, accurate, and moving efficiently through the lending process.

The Mortgage Loan Specialist serves as a key point of contact for borrowers, title companies, underwriters, processors, real estate professionals, and other stakeholders while helping deliver an exceptional customer experience from application through closing. The ideal candidate is detail-oriented, thrives in a fast-paced environment, and possesses strong communication, organizational, and customer service skills.

Essential Duties and Responsibilities

Loan File Management & Documentation

• Review loan applications and supporting documentation for completeness and accuracy.
• Request, collect, organize, and maintain borrower documentation throughout the mortgage process.
• Prepare loan files for submission to processing and underwriting.
• Monitor loan pipelines and track outstanding conditions to ensure timely completion.
• Follow up with borrowers and third parties to obtain required documentation.
• Maintain organized electronic loan files in accordance with company procedures and regulatory requirements.

Customer Service & Communication

• Serve as a primary point of contact for borrowers throughout the loan process.
• Provide exceptional service by responding promptly to customer inquiries and requests.
• Keep borrowers informed regarding loan status, documentation needs, and next steps.
• Coordinate with title companies, appraisers, underwriters, processors, and closing personnel to facilitate a smooth transaction.
• Build and maintain strong working relationships with customers and business partners.

Mortgage Process Support

• Assist Mortgage Loan Officers with loan application preparation and loan package submissions.
• Monitor milestone deadlines and proactively identify potential delays.
• Assist with scheduling appointments, meetings, and closings.
• Support loan officers with ongoing client relationship management and business development activities.
• Learn and apply mortgage products, guidelines, policies, procedures, and compliance requirements.
• Perform additional duties, projects, and responsibilities as assigned.

Operational Excellence

• Maintain a high level of accuracy and attention to detail.
• Effectively manage multiple files and priorities simultaneously.
• Demonstrate professionalism, accountability, and confidentiality in handling customer information.
• Contribute to departmental efficiency and continuous improvement efforts.

Qualifications

Required Qualifications

• High school diploma or GED required.
• Minimum of three years of customer service, administrative support, banking, lending, or related experience.
• Strong organizational and time management skills.
• Valid driver''s license and reliable transportation.
• Ability to travel locally for meetings, training, outreach activities, and business-related functions as needed.

Preferred Qualifications

• Associate''s or Bachelor''s degree preferred.
• Previous mortgage lending, mortgage processing, banking, or loan origination experience preferred.
• Experience with loan origination systems and mortgage documentation preferred.

Knowledge, Skills, and Abilities

• Exceptional customer service skills and a commitment to creating a positive borrower experience.
• Strong verbal and written communication skills.
• Excellent attention to detail and accuracy.
• Ability to manage competing priorities and meet deadlines in a fast-paced environment.
• Strong problem-solving and critical-thinking abilities.
• Proficiency with Microsoft Office products, including Outlook, Word, and Excel.
• Ability to work independently and collaboratively within a team environment.
• Ability to learn and apply mortgage lending regulations, policies, and procedures.

Work Environment & Physical Requirements

• Position is based in Waco, Texas.
• Work is performed primarily in a professional office environment.
• Requires regular use of computers, telephones, and other standard office equipment.
• Ability to remain seated for extended periods and frequently view computer screens.
• Ability to move throughout the office to interact with customers and team members.
• Occasional lifting and carrying of materials up to 15 pounds.
• Must be able to attend required training, meetings, and professional development programs.

Why Join Extraco Banks?

At Extraco Banks, we believe homeownership has a lasting impact on individuals, families, and communities. As a Mortgage Loan Specialist / LOA, you''ll play a vital role in helping customers achieve their homeownership goals while supporting a team dedicated to exceptional service, teamwork, and community involvement.

Equal Opportunity Employer

Extraco Banks is an Equal Opportunity Employer and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable law.