Junior Loan Officer

West Capital Lending; Columbia Township (MO); On-site; USD 25,000 - 36,000; Full time

Job summary

West Capital Lending, Inc. is seeking a motivated Junior Loan Officer to grow origination skills, assist clients through the early mortgage process, and build a foundation for advancement to a Loan Officer role.

You will work with prospective borrowers, respond to leads, and help identify suitable lending solutions. The role includes ongoing training, coaching, and development, with a strong emphasis on customer service, relationship building, and accurate documentation to meet regulatory

Qualifications

• Active mortgage loan originator license.
• Strong communication and customer service skills.
• Proactive, goal‑oriented mindset in a performance‑driven environment.
• Willingness to learn and accept coaching for growth.
• Ability to work a consistent evening and weekend schedule.

Responsibilities

• Connect with prospective borrowers and respond to incoming mortgage inquiries.
• Build relationships with clients, understand their home financing needs, and identify potential lending solutions.
• Conduct initial borrower conversations and gather relevant information to support the loan origination process.
• Identify qualified opportunities and help move borrowers forward in their mortgage journey.
• Maintain accurate and timely documentation in accordance with company policies and applicable regulatory requirements.
• Collaborate with Loan Officers, processing teams, and other internal partners to support a smooth borrower experience.
• Deliver responsive, professional service during evening and weekend hours when clients need assistance.
• Participate in ongoing training, coaching, and performance development to prepare for advancement.

Skills

Mortgage license

Customer service

Communication

Goal oriented

Willingness to learn

Weekend availability

Team collaboration

Job description

Compensation: $22/hour + performance-based bonuses

Schedule: Nights and weekends | 40 hours per week

Career Path: Junior Loan Officer → Loan Officer

About the Role

We’re looking for a motivated, customer-focused Junior Loan Officer to join our growing team! This is an exciting opportunity for a licensed mortgage professional to develop their origination skills, help clients navigate the home financing process, and build a strong foundation for a successful career as a Loan Officer.

In this role, you’ll work directly with prospective borrowers, engage with incoming leads, identify financing opportunities, and guide clients through the early stages of the mortgage process. You’ll receive ongoing training, coaching, and development to help you strengthen your skills and prepare for advancement.

This position is ideal for someone who thrives in a fast-paced environment, enjoys connecting with customers, and is excited to grow within mortgage origination.

What You’ll Do

• Connect with prospective borrowers and respond to incoming mortgage inquiries.
• Build relationships with clients, understand their home financing needs, and identify potential lending solutions.
• Conduct initial borrower conversations and gather relevant information to support the loan origination process.
• Identify qualified opportunities and help move borrowers forward in their mortgage journey.
• Maintain accurate and timely documentation in accordance with company policies and applicable regulatory requirements.
• Collaborate with Loan Officers, processing teams, and other internal partners to support a smooth borrower experience.
• Deliver responsive, professional service during evening and weekend hours when clients need assistance.
• Participate in ongoing training, coaching, and performance development to prepare for advancement.

What We’re Looking For

• Active mortgage loan originator license and the ability to perform the responsibilities of the role in accordance with applicable licensing requirements.
• Strong communication, relationship-building, and customer service skills.
• A proactive, goal-oriented mindset and the ability to work in a performance-driven environment.
• Strong organizational skills, attention to detail, and the ability to manage multiple opportunities.
• A willingness to learn, accept coaching, and continuously improve.
• The ability to work a consistent evening and weekend schedule.
• Previous mortgage origination, lead engagement, or lending experience is a plus.

Schedule & Availability

This is a full time dedicated nights and weekends position, working Saturday through Wednesday with Thursday as an optional day to get additional hours.

The typical schedule includes:

• 3:00p.m.-9:00p.m. weekday availability
• 9:00a.m.-7:00p.m. weekend availability

Flexibility and consistent availability during designated evening and weekend hours are essential to success in this role.

Compensation & Incentives

We offer a competitive hourly base rate with additional opportunities to earn based on performance.

• Base pay: $22 per hour.
• Origination bonus: $150 for each originated loan file submitted to processing.
• Estimated annual bonus opportunity: $10,000–$20,000, depending on production and performance.

Eligible bonuses are based on applicable program terms and qualifying production.

This position is designed to serve as a development pathway to a Loan Officer role. The expected time in position is approximately 6–24 months, depending on prior experience, performance, and readiness for advancement.

You’ll benefit from:

• Regular training and ongoing coaching.
• Opportunities to strengthen mortgage origination and borrower relationship skills.
• Performance feedback and development support.
• Eligibility for promotion to Loan Officer once established performance expectations are met and readiness for the next level is demonstrated.

Upon promotion, additional incentives are available during the first 90 days, including:

• $150 per STP on eligible files originated as a Loan Officer.
• $150 per STP on eligible files previously originated as a Junior Loan Officer.

Applicable incentive program terms will govern eligibility and payment.