Full time, remote Loan officer. E Mortgage Capital, 3750 S Susan Street, Santa Ana, California 92704,Loan Officer — Skills Needed
- Mortgage loan origination and borrower consultation
- Strong sales and business-development ability
- Lead conversion and consistent follow-up
- Relationship building with Realtors, financial advisors, builders, CPAs, and other referral partners
- Ability to generate and maintain a personal referral network
- Knowledge of Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR, HELOC, and alternative lending products
- Ability to analyze borrower income, assets, liabilities, credit, and loan eligibility
- Understanding of DTI, LTV/CLTV, reserves, credit requirements, and basic underwriting guidelines
- Ability to structure complex loan scenarios and present multiple financing options
- Familiarity with LOS and CRM systems
- Strong phone, email, SMS, and client communication skills
- Pipeline management and organization
- Ability to manage a loan from initial consultation through closing
- Comfortable working with processors, underwriters, title, escrow, insurance, appraisal, and lender account executives
- Understanding of mortgage compliance, disclosures, fair lending, and licensing requirements
- Comfortable using technology, automation, CRM campaigns, and AI-assisted sales tools
- Strong problem-solving and critical-thinking skills
- Negotiation skills
- Detail-oriented and deadline-driven
- Self-motivated and accountable
- Professional, consultative sales approach rather than high-pressure selling
- Active NMLS license and applicable state licenses, where required
Junior Loan Officer — Skills Needed
- Strong desire to learn mortgage lending and sales
- Excellent verbal and written communication
- Confident and professional telephone skills
- Comfortable making outbound calls and following up with leads
- Lead qualification and appointment-setting ability
- Basic understanding of credit, income, assets, debts, and mortgage terminology
- Ability to gather borrower documents and complete an accurate loan application
- Comfortable learning Conventional, FHA, VA, USDA, Non-QM, DSCR, HELOC, and other loan products
- Ability to learn mortgage guidelines and recognize when a scenario needs senior LO review
- CRM management and accurate data entry
- Consistent lead and borrower follow-up
- Ability to maintain organized notes, tasks, and contact records
- Comfortable communicating with borrowers, Realtors, and referral partners
- Strong attention to detail
- Coachable and receptive to feedback
- Organized and able to manage multiple borrowers simultaneously
- Reliable follow-through
- Goal-oriented and competitive
- Comfortable working in a sales environment
- Basic computer and technology proficiency
- Willingness to obtain and maintain required NMLS/state licensing
