Mortgage Loan Officer

E Mortgage Capital, Inc. NMLS# 1416824; Temecula (CA); On-site; USD 70,000 - 110,000; Full time

Job summary

E Mortgage Capital, Inc. NMLS# 1416824 is seeking a Mortgage Loan Officer to consult with prospective borrowers, gather and analyze application information, and recommend suitable mortgage products.

This is a full-time role focused on guiding clients through the loan process and ensuring compliance with lending regulations. The Mortgage Loan Officer will build strong relationships with clients, real estate partners, and referral networks while meeting production goals with a high standard of

Qualifications

• Experience as a Loan Officer with a pipeline of residential mortgage applications.
• Strong knowledge of mortgage industry, products, and regulations.
• Hands-on experience in mortgage lending processes, including loan structuring, documentation, and closing.
• Familiarity with underwriting guidelines and risk assessment.
• Excellent customer service and ability to guide clients through complex decisions.
• On-site work in the Detroit Metropolitan Area and professional client engagement.
• Proficiency with loan origination systems, CRM tools, and basic office software.

Responsibilities

• Consult with prospective borrowers to understand financial goals and gather application information.
• Analyze financial data and recommend mortgage products.
• Prepare and submit complete loan files; coordinate with underwriting and processing teams.
• Ensure compliance with lending regulations and company policies.
• Maintain strong client relationships and build referral networks with real estate professionals.

Skills

Loan origination

Mortgage industry knowledge

Underwriting collaboration

Customer service

CRM tools

MS Office

Time management

Education

Mortgage loan originator license (NMLS)

Tools

Loan origination systems

CRM tools

MS Office

Job description

Company Description

E Mortgage Capital, Inc. NMLS# 1416824 is a purpose-driven mortgage brokerage that views every loan as a significant milestone in clients’ lives rather than just a transaction. Guided by the philosophy "Mortgages are what we do, not who we are," the company focuses on integrity, transparency, and long-term relationships. As firm believers that Brokers Are Better, E Mortgage Capital offers a wide range of loan options, competitive rates, and dedicated advocacy for borrowers. The organization is committed to simplifying the mortgage process so clients can move forward with confidence and clarity, while maintaining equal housing opportunity and compliance with regulatory standards.

Role Description

This is a full-time, Mortgage Loan Officer role. The Mortgage Loan Officer will consult with prospective borrowers to understand their financial goals, gather and analyze application information, and recommend appropriate mortgage products. Responsibilities include guiding clients through the loan process, preparing and submitting complete loan files, coordinating with underwriting and processing teams, and ensuring compliance with lending regulations and company policies. The role also involves maintaining strong client relationships, delivering responsive customer service, and building referral networks with real estate professionals and other partners to generate new business. The Mortgage Loan Officer will be expected to meet production goals while maintaining high standards of ethics, accuracy, and client care.

Qualifications

• Demonstrated experience as a Loan Officer, including managing a pipeline of residential mortgage applications.
• Strong knowledge of the Mortgage Industry and current market trends, products, and regulations.
• Hands-on experience in Mortgage Lending processes, including loan structuring, documentation, and closing.
• Familiarity with Underwriting guidelines, risk assessment, and ability to collaborate effectively with underwriting teams.
• Exceptional Customer Service skills, with the ability to communicate clearly, build trust, and support clients through complex decisions.
• Ability to work on-site in the Detroit Metropolitan Area and maintain a professional presence with clients and partners.
• Proficiency with loan origination systems, CRM tools, and basic office software (e.g., MS Office, email, spreadsheets).
• Strong analytical, organizational, and time-management skills, with attention to detail and follow-through.
• Current or eligible state mortgage loan originator license and registration as required by NMLS and applicable regulations.
• Background in finance, banking, business, or related field preferred; prior sales or relationship-management experience is beneficial.