Loan Officer

West Capital Lending, Inc.; Charlotte (NC); Remote; USD 60,000 - 120,000; Full time

Benefits offered by this job

Remote work environment

Competitive commission structure

Wide loan product access

Marketing support

Flexible schedule

Growth opportunities

Job summary

West Capital Lending, Inc. is seeking a motivated Loan Officer to originate residential mortgage loans in a remote capacity with a focus on the Charlotte, NC market.

The ideal candidate will manage the loan process from application to closing in a virtual environment, maintaining strong client relationships and compliance with guidelines. The role requires an active NC NMLS license, 2+ years of experience, and a solid knowledge of mortgage products.

Qualifications

• Active NC Loan Originator license (NMLS) required.
• 2+ years of experience as a Loan Officer or Mortgage Loan Originator
• Strong knowledge of mortgage products and underwriting guidelines
• Excellent communication, sales, and relationship-building skills
• Ability to work independently in a remote environment

Responsibilities

• Originate residential mortgage loans (Conventional, FHA, VA, Non-QM).
• Build and maintain relationships with clients, agents, and referral partners.
• Guide borrowers through the loan process with clear, timely communication.
• Analyze borrower financials to recommend suitable loan products.
• Ensure loan files meet federal, state and investor requirements.
• Collaborate with processing and underwriting to ensure timely closings.
• Stay updated on lending guidelines and market trends.

Skills

Mortgage lending knowledge

Client relationship building

Sales skills

Communication skills

Remote work independence

Tools

Loan origination systems

Digital documentation tools

Job description

Location: Remote (Must be licensed in North Carolina; Charlotte market focus)

Compensation: Commission-based (competitive splits; optional base or draw depending on experience)

We are seeking a motivated and customer-focused Loan Officer to join our growing team. This is a remote position, with a primary focus on serving clients in the Charlotte, NC. The ideal candidate is self-driven, knowledgeable in residential lending, and comfortable managing the loan process from application through closing in a virtual environment.

Key Responsibilities

• Originate residential mortgage loans, including Conventional, FHA, VA, and Non-QM products
• Build and maintain strong relationships with clients, real estate agents, and referral partners
• Guide borrowers through the loan application process and provide clear, timely communication
• Analyze borrower financials to recommend appropriate loan products
• Ensure all loan files meet federal, state, and investor compliance requirements
• Collaborate with processing and underwriting teams to ensure smooth and timely closings
• Stay up to date on lending guidelines, market trends, and interest rate changes

Qualifications

• Active North Carolina Loan Originator license (NMLS) required
• 2+ years of experience as a Loan Officer or Mortgage Loan Originator preferred
• Strong knowledge of mortgage products and underwriting guidelines
• Excellent communication, sales, and relationship-building skills
• Ability to work independently in a remote environment
• Proficient with loan origination systems and digital documentation tools

What We Offer

• 100% remote work environment
• Competitive commission structure with high earning potential
• Access to a wide range of loan products and competitive rates
• Marketing and operational support
• Flexible schedule with autonomy over your pipeline
• Growth opportunities within a scaling organization