Loan Officer

Key Real Estate Capital; San Diego (CA); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Key Real Estate Capital in San Diego, CA is seeking a Loan Officer to originate and structure residential and investor-focused loans, including DSCR and other creative financing products. This full-time, hybrid role offers in-office and remote collaboration.

You will consult with borrowers, review financial documents, coordinate with underwriting and closing teams, and build lasting relationships with investors, real estate agents, and referral partners while educating clients on financing

Qualifications

• Experience in loan origination for residential and/or investment property loans.
• Strong understanding of cash flow, leverage, and portfolio growth strategies.
• Familiarity with underwriting principles and documentation requirements.
• Excellent communication and client management skills.

Responsibilities

• Origin and structure residential and investor loans including DSCR financing.
• Consult with borrowers, assess goals, gather financial documents.
• Coordinate with underwriting, processing, and closing teams for timely decisions.
• Build relationships with investors, real estate agents, and referral partners; educate clients on financing options.

Skills

Loan origination

Residential mortgage loans

Investor-focused financing

Customer service

Relationship building

Communication

CRM tools

Tools

LOS

CRM systems

Excel

Word

Job description

Company Description

Key Real Estate Capital is a real estate financing and investment firm focused on helping investors, entrepreneurs, and individuals build time, financial, and location freedom through creative funding strategies. The company makes real estate investing more accessible and scalable by offering tools, capital, and expert guidance for clients at every stage, from first-time investors to experienced portfolio builders. Services include creative financing solutions such as DSCR loans, fix and flip funding, 0% interest business credit, and private lending tailored to client goals. Key Real Estate Capital also provides education, community support, and done-for-you investing services to help clients find, fund, and cash flow properties. With access to generous terms, hard money, private capital, and off-market deals, the firm positions itself as a strategic partner in building long-term wealth and independence through real estate.

Role Description

This is a full-time, hybrid Loan Officer role based in San Diego, CA, with flexibility to work from home for part of the week. The Loan Officer will originate and structure residential and investor-focused real estate loans, including DSCR, fix and flip, and other creative financing products. Daily responsibilities include consulting with prospective borrowers, assessing their goals, gathering and reviewing financial documentation, and guiding clients through the application and approval process. The role involves coordinating with underwriting, processing, and closing teams to ensure accurate, compliant, and timely loan decisions. The Loan Officer will also build and maintain relationships with investors, real estate agents, and referral partners, while educating clients on financing options, investment strategies, and Key Real Estate Capital programs.

Qualifications

• Experience in loan origination and work as a Loan Officer, with a strong track record of originating residential and/or investment property loans.
• Solid foundation in finance and real estate investing concepts, including cash flow analysis, leverage, and portfolio growth strategies.
• Knowledge of underwriting principles and documentation requirements, with the ability to evaluate borrower profiles for various loan products.
• Strong customer service and relationship-building skills, with the ability to communicate complex financing options clearly and professionally.
• Familiarity with loan origination systems (LOS), CRM tools, and basic office software (e.g., Excel, Word, email platforms).
• Detail-oriented, organized, and able to manage multiple files and deadlines in a fast-paced environment.
• Comfortable working in a hybrid setting from San Diego, CA, with the ability to collaborate both in-office and remotely.
• Relevant licenses or registrations (such as NMLS) preferred; prior experience in mortgage, hard money, or private lending is a plus.