Mortgage Loan Officer

Point Capital Services - NMLS 2094446; Sugar Land (TX); Remote; USD 60,000 - 90,000; Full time

Job summary

Point Capital Services, based in Sugar Land, TX, is seeking a Mortgage Loan Officer to originate residential and commercial loans. You will meet with borrowers, collect financial documents, explain loan options, and guide clients through the application, approval, and closing processes while ensuring regulatory compliance.

The role emphasizes building relationships with real estate agents and business owners, maintaining a strong pipeline, and coordinating with underwriting, processing, and

Qualifications

• Experience as a Loan Officer or in a similar client-facing lending role with a strong understanding of borrower needs and regulatory requirements.
• Familiarity with conventional, government-backed, and non-QM loan products is preferred.
• Exposure to underwriting concepts and documentation for credit/risk assessment.
• Strong customer service, clear communication, and ability to explain loan terms clearly.
• Texas mortgage experience preferred; NMLS licensure required or ability to obtain.
• Proven track record of meeting production goals with high ethics and compliance.
• Ability to work remotely and manage multiple files with internal/external partners.
• Basic proficiency with loan origination systems, CRM tools and standard office software.
• High school diploma required; degree in business/finance preferred.

Responsibilities

• Originate residential and commercial mortgage loans and meet prospective borrowers.
• Gather required financial documentation and assess eligibility.
• Explain loan products and terms, present options, and guide through application, approval, and closing.
• Maintain a pipeline and coordinate with underwriting, processing, and closing teams.
• Communicate clearly with clients and referral partners throughout the process.
• Build relationships with real estate agents, business owners, and community contacts to generate new business.
• Uphold the company’s education-first approach and ensure compliance with lending laws.

Skills

Loan officer experience

Customer service

Regulatory knowledge

Communication skills

Remote work ability

Bilingual (nice to have)

Education

High school diploma

Associate or Bachelor's in business/finance

Tools

Loan origination systems

CRM tools

Office software

Job description

Company Description

Point Capital Services is a full-service mortgage and commercial lending company based in Sugar Land, TX, serving homeowners, veterans, self-employed borrowers, and business owners across Texas. The firm offers a broad range of residential products including conventional, FHA, VA, USDA, jumbo, and various non-QM options, as well as commercial solutions such as SBA 7(a), SBA 504, hard money, investor construction, and conventional commercial loans. Its mission is to educate every client on their true lending options—rates, pricing, and costs—so they can choose what best fits their situation. Point Capital Services specializes in finding solutions for clients who may have been declined by traditional lenders, providing tailored guidance and support throughout the funding process.

Role Description

The Mortgage Loan Officer is a remote role based in Sugar Land, TX. This role is responsible for originating residential and commercial mortgage loans, meeting with prospective borrowers, and gathering all required financial documentation to assess eligibility. The Mortgage Loan Officer will explain loan products and terms, present customized options, and guide clients through the application, approval, and closing process while maintaining compliance with lending regulations and company policies. Daily activities include managing a pipeline of active loan files, coordinating with underwriting, processing, and closing teams, and maintaining clear, timely communication with clients and referral partners. The role also involves building and nurturing relationships with real estate agents, business owners, and other community contacts to generate new business and uphold the company’s education-first approach.

Qualifications

• Experience as a Loan Officer or in a similar client-facing lending role, with a strong understanding of borrower needs and regulatory requirements.


• Knowledge of the Mortgage Industry and Mortgage Lending practices, including familiarity with conventional, government-backed, and non-QM loan products.


• Exposure to Underwriting concepts and documentation requirements, with the ability to prepare clean, complete files for credit and risk assessment.


• Strong Customer Service skills, including clear communication, active listening, and the ability to explain complex loan terms in accessible language.


• Texas mortgage experience preferred; NMLS licensure required or ability to obtain and maintain appropriate licensing.


• Proven track record of meeting production goals while maintaining high ethical standards and compliance with state and federal lending laws.


• Ability to work remotely, manage multiple files simultaneously, and collaborate effectively with internal teams and external partners.


• Basic proficiency with loan origination systems, CRM tools, and standard office software; bilingual skills are a plus.


• High school diploma required; associate or bachelor’s degree in business, finance, or a related field is preferred.