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Junior Loan Officer
Junior Loan OfficerSummit Home Lending • Huntington Beach, CA, US
Junior Loan Officer

Junior Loan Officer

Summit Home Lending • Huntington Beach, CA, US
[job_card.30_days_ago]
[job_preview.job_type]
  • [job_card.full_time]
[job_card.job_description]

Our company is currently seeking a talented, service-oriented Junior Loan Officer who is eager to grow within the mortgage industry. The ideal candidate has some experience in sales, exceptional communication and relationship-building skills, and a strong attention to detail.

Being licensed with the NMLS is ideal , as it will fast-track your progression from this role into a full Loan Officer position within the company. However, candidates who are not yet licensed are still encouraged to apply—licensing can be obtained with our support and training, though it may extend the time spent in this role.

We’re looking for motivated, hungry individuals who are ready to invest effort into their professional growth. Our team is committed to your success and provides the training, mentorship, and resources needed to take your talents to the next level. If this sounds like you, apply now!

Compensation :

$37,500 - $120,000 yearly

Responsibilities :

  • Interface between loan processor, senior loan officer / mortgage loan originator, underwriter, mortgage lender or mortgage banker, and realtors on behalf of the applicant as needed to ensure a successful loan transaction
  • Monitor sales pipeline, meet sales expectations, get referrals, and generate new business opportunities
  • Consult with potential loan applicants - answer questions and provide additional information about home loan products to create personal relationships
  • Review options with senior loan officer / MLO to make a recommendation of which home loan product to recommend based on the applicant’s financial status
  • Gather financial information to assist with loan applications, prepare loan files, and assess applicants’ financial situation and eligibility

Training & Development (First 4–6 Weeks)

  • Participate in daily training sessions covering loan programs, guidelines, systems, sales processes, and compliance.
  • Shadow top producers and leadership on live discovery calls and closing calls.
  • Practice script work, objection handling, and communication techniques.
  • Learn Summit’s internal systems, CRM, LOS, workflow, and lead management process.
  • Complete weekly performance benchmarks to demonstrate progress and readiness for promotion.

    • Sales Preparation

  • Develop a thorough understanding of Summit’s HELOC and refinance products, qualification requirements, and lending guidelines.
  • Learn how to structure loans, calculate income, review credit, and analyze client goals.
  • Prepare for client-facing conversations by mastering key metrics and numbers to present during calls.
  • Understand lead sources and effectively manage assigned leads.

    • Client Interaction Readiness

  • Practice building rapport, gathering client goals, and conducting full discovery conversations.
  • Study and role-play closing call structure, objection handling, and commitment techniques.
  • Learn how to present loan options clearly and confidently.

    • Promotion to Loan Officer (Post-Training)

  • Begin making outbound sales calls and handling inbound transfers.
  • Conduct full discovery and closing calls with clients.
  • Sell and structure home equity loans and refinances aligned with client needs.
  • Provide a seamless client experience from the first conversation to submission.
  • Maintain high activity levels, consistent follow-up, and strong pipeline management.

    • Professional Expectations

  • Demonstrate coachability, a strong work ethic, and a desire to grow into a top-producing Loan Officer.
  • Maintain punctuality, professionalism, and adherence to the company's core values.
  • Collaborate with teammates, leadership, processors, and support staff.
  • Uphold compliance, ethical lending standards, and accurate documentation.
  • The more you put in, the more you earn!

    • Qualifications :

  • Familiarity with home mortgage program guidelines and various types of loans such as FHA, commercial loans, VA, etc is beneficial, but not require
  • High school diploma or equivalent required; Bachelor’s degree is desired
  • Excellent sales, relationship, communications and MS Office skills are vital
  • Past experience with credit unions, lending institutions, real estate, financial services, or related fields is a bonus, but not required
  • Must be willing to complete training program to obtain NMLS / MLO / state license
  • NMLS Licensed (REQUIRED) – Ready to hit the ground running
  • Confident & coachable – You take feedback & apply it fast
  • Sales or customer service experience? Big plus!
  • Competitive mindset – Former athletes & sales pros thrive here!
  • Money-motivated – You want a career with great earning potential

    • Don’t wait – Apply now & start your mortgage career today!

    About Company

    Why You’ll Love Working Here

  • Gain the tools, knowledge, and confidence to become a top producer
  • Learn directly from experienced leaders and top Loan Officers
  • Get hands-on experience and build real, marketable skills
  • Work in a high-energy, collaborative culture that’s fun, motivating, and rewarding
  • See hard work recognized and follow a clear path for career growth
  • Help clients tap into their home equity and achieve meaningful goals every day
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