Mortgage Loan Officer

West Capital Lending, Inc.; Stockton (CA); On-site; USD 60,000 - 95,000; Full time

Job summary

West Capital Lending, Inc. is seeking a motivated Loan Officer in California to assist clients through the loan process, evaluate financial documents, and explain loan options and terms. You will work with underwriters and processors to close loans while ensuring compliance and superior customer service.

The ideal candidate has at least 1 year of loan experience, strong knowledge of loan products and regulations, and excellent communication skills. An NMLS license is required.

Qualifications

• Minimum 1 year as Loan Officer or in similar financial services role.
• Strong knowledge of loan products, underwriting processes, and regulations.
• Excellent communication and interpersonal skills.
• Detail-oriented with strong organizational skills.
• Ability to assess financial documents and analyze creditworthiness.
• Proficiency in Microsoft Office and loan processing software.
• NMLS license required.

Responsibilities

• Assess loan applications and determine creditworthiness based on documents and reports.
• Provide guidance on loan products, terms, and eligibility.
• Process loan applications including documentation verification.
• Establish and maintain relationships with clients and provide excellent service.
• Collaborate with underwriters, processors, and team members to ensure smooth approvals.
• Monitor progress and address client questions; support goal achievement.

Skills

Loan products knowledge

Credit assessment

Regulatory compliance

Client relationship management

Document analysis

MS Office Suite

NMLS license

Tools

Microsoft Office Suite

Loan processing software

Job description

About the Company:

We are seeking a highly motivated and customer-focused Loan Officer to join our dynamic team. As a Loan Officer, you will play a key role in assisting clients with the loan application process, evaluating financial backgrounds, and offering suitable loan products. You will work with clients to ensure that their financial needs are met, while ensuring all transactions comply with legal and regulatory standards.

About the Role:

Assess loan applications and determine creditworthiness by reviewing financial documents, credit reports, and other relevant information. Provide expert guidance and advice on available loan products, terms, and eligibility requirements. Process loan applications, including obtaining necessary documentation, verifying financial data, and ensuring accurate completion of all forms. Establish and maintain strong relationships with clients, providing excellent customer service throughout the loan process. Communicate clearly with clients to explain loan options, repayment terms, and potential risks. Collaborate with underwriters, processors, and other team members to ensure a smooth and efficient loan approval process. Maintain a deep understanding of industry regulations, loan policies, and market trends. Monitor the progress of loan applications and assist clients with any questions or issues that arise. Achieve individual and team sales goals by promoting and closing loan products.

Qualifications/Responsibilities:

• Proven experience as a Loan Officer or in a similar role in financial services (minimum of 1 year).
• Strong knowledge of loan products, underwriting processes, and applicable regulations.
• Excellent communication and interpersonal skills with the ability to build strong relationships with clients.
• Detail-oriented with strong organizational skills and the ability to handle multiple tasks.
• Ability to assess financial documents and analyze creditworthiness.
• Proficient in Microsoft Office Suite and other loan processing software.
• Loan Officer license (NMLS).

Equal Opportunity Statement:

West Capital Lending is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.