Loan Officer

Job Description

Company Description E Mortgage Capital, Inc. NMLS# 1416824 is a purpose-driven mortgage company that views every loan as a significant milestone in clients’ lives rather than a simple transaction. Guided by the philosophy “Mortgages are what we do, not who we are,” the company emphasizes integrity, advocacy, and personalized service. As trusted mortgage professionals, they champion the “Brokers Are Better” model, offering clients broader options, competitive rates, and clear guidance. E Mortgage Capital is committed to simplifying the mortgage process, building long-term client relationships, and helping individuals move forward with confidence. The company operates under Equal Housing Opportunity standards and complies with all applicable regulatory requirements, including DRE #01986350 and state guidelines.\n
Role Description This is a full-time remote role for a Loan Officer at E Mortgage Capital, Inc. NMLS# 1416824. The Loan Officer will consult with prospective borrowers, assess their financial profiles, and recommend suitable loan products aligned with company and regulatory guidelines. Daily responsibilities include taking and reviewing loan applications, gathering and verifying documentation, coordinating with underwriting, and monitoring files from initial inquiry through closing. The role involves providing clear, empathetic communication, explaining loan terms and conditions, and addressing borrower questions to ensure a smooth and transparent process. The Loan Officer will also collaborate with internal teams and referral partners, maintain accurate records in company systems, and uphold all compliance, privacy, and ethical standards.\n
Qualifications
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• Loan origination and Loan Officer experience, including managing end-to-end mortgage files and guiding borrowers through the application process.
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• Finance knowledge and strong analytical skills to evaluate credit, income, assets, and debt-to-income ratios.
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• Underwriting familiarity and ability to interpret lending guidelines, documentation requirements, and risk assessments.
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• Customer Service skills with a focus on clear communication, relationship building, and responsive support for diverse clients.
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• Working knowledge of mortgage regulations, compliance standards, and Equal Housing Opportunity principles.
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• Proficiency with loan origination systems, CRM platforms, and standard office software tools.
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• Ability to work independently in a remote environment, manage multiple files, and prioritize deadlines effectively.
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• Relevant state licensing and registration as a mortgage Loan Officer; prior experience in mortgage brokerage or lending is preferred.
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