Loan Officer

West Capital Lending; San Francisco (CA); On-site; USD 60,000 - 120,000; Full time

Benefits offered by this job

100% remote work environment

Competitive commission structure

Wide range of loan products

Job summary

West Capital Lending is seeking a results-driven Loan Officer for a remote position focused on the San Francisco, CA market. You will manage the entire loan process from application to closing, specializing in residential mortgages and a variety of loan programs in a virtual environment.

The ideal candidate holds a California NMLS license, has 2+ years of LO/MLO experience, and excels in communication, sales, and client relationship management.

Qualifications

• Active California 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.

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.

Skills

Communication skills

Relationship building

Self-motivated

Job description

Location: Remote (Must be licensed in California; San Francisco 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 San Francisco, CA. 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 California 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