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Loans Officer Jobs (NOW HIRING)

EMM LOANS LLC

Loan Officers - Northeast Region

Brick, NJ · On-site

... Officer - Northeast | EMM Loans LLC EMM Loans LLC is seeking ambitious Referral Loan Officers to join our growing Northeast teams! Work alongside a strong, experienced leader and learn from the best ...

EMM LOANS LLC

Loan Officer Assistant

Cincinnati, OH · On-site

$36K - $49K/yr

... move loans efficiently through the mortgage process. This is not a remote position ... Track loan status and keep the Loan Officer informed of progress * Help monitor the loan pipeline ...

Agave Home Loans

Be Seen First

Entry Level Mortgage Loan Officer

Phoenix, AZ · On-site

$40K - $100K/yr

Mortgage Loan Officer * Entry-level Mortgage Loan Origination position with training program. A ... No mortgage experience necessary About Agave Home Loans, LLC * We are a growing company focused on ...

Beeline Loans, Inc.

Mortgage Loan Officer

Anaheim, CA · On-site

Originate residential mortgage loans (QM and non-QM) while ensuring compliance with all regulatory requirements. * Build and manage a strong pipeline of borrowers using our advanced CRM and dialer ...

Mission Loans, LLC

Mortgage Loan Officer

Irvine, CA · On-site

$120K - $200K/yr

Mission Loans is looking for Mortgage Loan Officers to join our Irvine Office! As a Mortgage Loan Officer , you'll play a key role in helping clients navigate their financial journey by assessing ...

EMM LOANS LLC

Mortgage Loan Officers

Cherry Hill, NJ · On-site

... EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!) Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the ...

EMM LOANS LLC

Mortgage Loan Officers

Fishers, IN · Remote

... EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!) Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the ...

EMM LOANS LLC

Mortgage Loan Officers

Lancaster, PA · On-site

... EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!) Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the ...

EMM LOANS LLC

Mortgage Loan Officers

Fishers, IN · Remote

... EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!) Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the ...

EMM LOANS LLC

Mortgage Loan Officers

Cherry Hill, NJ · On-site

... EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!) Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the ...

EMM LOANS LLC

Mortgage Loan Officers

Louisville, KY · On-site

... EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!) Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the ...

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Loans Officer information

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$22.5K

$70.3K

$126.5K

How much do loans officer jobs pay per year?

As of Jun 21, 2026, the average yearly pay for loans officer in the United States is $70,335.00, according to ZipRecruiter salary data. Most workers in this role earn between $46,000.00 and $90,000.00 per year, depending on experience, location, and employer.

What is the difference between Loans Officer vs Mortgage Loan Officer?

AspectLoans OfficerMortgage Loan Officer
CredentialsTypically requires a high school diploma or equivalent; some roles may need licensingRequires licensing (e.g., NMLS), high school diploma, and often additional certifications
Work EnvironmentBank branches, credit unions, or financial institutionsMortgage broker offices, banks, or lending institutions
Industry UsageUsed across various lending sectors including personal, auto, and business loansSpecialized in residential mortgage lending
Common Search & ComparisonOften compared for general lending rolesCompared when focusing on home loans and real estate financing

The main difference between a Loans Officer and a Mortgage Loan Officer is their specialization. Loans Officers handle a variety of loan types across different sectors, while Mortgage Loan Officers focus specifically on residential mortgage loans. Both roles require licensing and involve assessing borrower qualifications, but Mortgage Loan Officers typically work more closely with real estate transactions and homebuyers.

What does a Loans Officer do?

A Loans Officer, also known as a Loan Officer or Lending Officer, is responsible for evaluating, authorizing, or recommending approval of loan applications for individuals or businesses. They assess financial information, credit history, and the ability of applicants to repay loans. Loans Officers also guide clients through the loan process, explain different loan products, and ensure all required documentation is completed. Their goal is to help clients secure financing while minimizing risk for the lending institution.

How much does a loan officer make on a $500,000 loan?

A loan officer typically earns a commission or fee based on the loan amount, often around 1% to 2%, which would be $5,000 to $10,000 for a $500,000 loan. Compensation can also include a base salary and bonuses, depending on the employer and location. The specific earnings depend on the loan type, lender policies, and the officer's experience and performance.

What are the key skills and qualifications needed to thrive as a Loans Officer, and why are they important?

To thrive as a Loans Officer, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, typically supported by a degree in finance, business, or a related field. Familiarity with loan origination software, credit analysis tools, and regulatory compliance systems is often required. Excellent interpersonal skills, problem-solving abilities, and effective communication help build client trust and facilitate loan processing. These skills ensure accurate risk assessment, regulatory compliance, and positive client relationships, all crucial for successful loan portfolio management.

What are some common challenges Loans Officers face when evaluating loan applications?

Loans Officers often encounter the challenge of balancing risk assessment with customer service. Determining an applicant's creditworthiness can be complicated by incomplete documentation, inconsistent financial histories, or unclear collateral values. Additionally, Loans Officers must stay updated on changing regulations and internal lending policies, all while maintaining clear communication with clients and collaborating with underwriters and compliance teams. Developing strong analytical and interpersonal skills can help overcome these challenges and ensure sound lending decisions.

Will MLO be replaced by AI?

A Loans Officer (MLO) performs tasks such as evaluating borrower creditworthiness and processing loan applications, which require judgment, communication, and understanding of complex financial regulations. While AI can assist with data analysis and automate routine tasks, it is unlikely to fully replace the role due to the need for human interaction and decision-making in lending processes.

Is being a loan officer a good career?

A loan officer is a financial professional who evaluates and approves loan applications, often working in banks or lending institutions. The role offers opportunities for advancement, requires strong communication and analytical skills, and typically involves a standard work schedule, with some positions requiring licensing or certification. Job stability and earning potential can vary based on economic conditions and experience.

Is it hard to make it as a loan officer?

Becoming a loan officer requires strong communication skills, knowledge of lending regulations, and often a relevant license or certification. Success depends on experience, networking, and the ability to evaluate creditworthiness, but with dedication, it is a feasible career path.
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Loans Officer jobs near you
Loan Officers - Northeast Region

Loan Officers - Northeast Region

EMM LOANS LLC

Brick, NJ • On-site

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 26 days ago

Be an early applicant

Job description

Referral Loan Officer – Northeast | EMM Loans LLC

EMM Loans LLC is seeking ambitious Referral Loan Officers to join our growing Northeast teams! Work alongside a strong, experienced leader and learn from the best in the business.

In this role, you’ll market and originate residential mortgage loans, build relationships with individuals and professional organizations, and guide clients through the entire mortgage process—from application to closing. You’ll help clients achieve their homeownership goals while evaluating loan applications to ensure financial readiness.

This is an outside sales role with commission-only pay and no leads provided. If you’re motivated, driven, and love helping people, this is your opportunity to thrive!

So, how do you become part of this fantastic team? Meeting the following requirements is good place to start!
Active NMLS Licensing
A contagiously positive attitude and LOTS of energy
Deep knowledge of various loan products, origination processes, policies, procedure, underwriting guidelines and documentation requirements.


EMM is proud to offer a wide range of benefits and a very comp plan. Eligible employees can participate in the following benefits.

  • Medical, Dental, and Vision insurance
  • Flexible Spending Account
  • Company paid Life Insurance and LTD!
  • Additional buy up Life and LTD Insurance
  • 401K plan with an employer match
  • And more!

*All positions are contingent upon the successful completion of a background check.

EMM Loans participates in E-Verify

EMM LOANS LLC is an Equal Employment Opportunity Employer. NMLS ID: 2926

Mortgage Loan Originator - Loan Officer - MLO - LO