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Remote Loan Officer Jobs in Raleigh, NC (NOW HIRING)

Symmetry

Remote Sales Part time Full time

Raleigh, NC · Remote

Sales Representative Full-time - Part-time Remote Organization Description: At The Edson Agency ... Loan Officer, Car Sales, Solar Sales Representatives, Inside Sales, Outside Sales, Direct Sales ...

Symmetry

Remote Sales Part time Full time

Raleigh, NC · On-site +1

Sales Representative Full-time - Part-time Remote Organization Description: At The Edson Agency ... Loan Officer, Car Sales, Solar Sales Representatives, Inside Sales, Outside Sales, Direct Sales ...

Dunmor

Loan Originator

Raleigh, NC · On-site +1

Our suite of products includes bridge loans, value-add loans, new construction loans, and permanent portfolio loans, offering diverse solutions to borrowers nationwide. As a FinTech commercial lender ...

First Citizens Bank

CRA Program Analyst III

Raleigh, NC · Remote

$107K - $126K/yr

Overview This is a remote role that may be hired in several markets across the United States. This ... Officers, and business partners on structuring and documenting qualifying loans. * Build ...

First Citizens Bank

CRA Program Analyst III

Raleigh, NC · Remote

$107K - $126K/yr

Overview This is a remote role that may be hired in several markets across the United States. This ... Officers, and business partners on structuring and documenting qualifying loans. * Build ...

Iatinsurancegroup

Senior Surety Claims Counsel

Raleigh, NC · On-site +1

$97K - $213K/yr

This role reports to the VP, Claims Counsel and works closely with the SVP, Chief Legal Officer as ... remote arrangements for the ideal candidate. Responsibilities: * Interacts with attorneys for ...

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All JobsLoan Officer JobsRemote Loan Officer JobsRemote Loan Officer Jobs in Raleigh, NC

Remote Loan Officer information

See Raleigh, NC salary details

$21.9K

$68.4K

$123K

How much do remote loan officer jobs pay per year?

As of Aug 28, 2026, the average yearly pay for remote loan officer in Raleigh, NC is $68,367.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,700.00 and $87,500.00 per year, depending on experience, location, and employer.

What is a remote loan officer?

A Remote Loan Officer is a financial professional who evaluates, authorizes, or recommends approval of loan applications for individuals or businesses, working from a remote location rather than a traditional office. Their duties include reviewing financial information, assessing creditworthiness, and guiding clients through the loan process via phone, email, or virtual meetings. This role allows greater flexibility and often involves the use of online tools and platforms to manage client relationships and process loans efficiently. Remote Loan Officers typically work for banks, credit unions, or mortgage companies, and must stay updated on lending regulations and financial products.

What does a remote loan officer do?

As a remote loan officer, you work from home to help a client search for and secure lending opportunities, such as a home mortgage or car loan. In this remote role, you may use virtual document storage software to keep track of customers' paperwork submissions, verify the accuracy of submitted documents, and explain the lending institution's options to help a consumer make an informed decision about which loan to get. You provide personalized advice to help improve the chance a bank approves the application, including details on how the client can finance their repayment plan. Other duties include initiating the application process and collecting loan documents. You may specialize in residential, commercial, or even industrial loans.

What are the key skills and qualifications needed to thrive as a remote loan officer?

To thrive as a Remote Loan Officer, you need a solid understanding of lending practices, financial analysis, and typically a background in finance, business, or a related field. Familiarity with loan origination systems (LOS), customer relationship management (CRM) software, and relevant state or federal licensing is essential. Strong communication, attention to detail, and self-motivation are vital soft skills for building client trust and managing tasks independently. These skills ensure accurate loan processing, regulatory compliance, and excellent customer service in a remote work environment.

What are some common challenges faced by remote loan officers, and how can they be managed?

Remote loan officers often encounter challenges related to communication and time management since they interact with clients and team members primarily through digital platforms. It's important to stay organized, use secure and efficient communication tools, and proactively follow up with clients to ensure smooth processing of loan applications. Building strong relationships remotely requires clear, timely updates and responsiveness. Staying informed about lending regulations and company policies also helps address client concerns quickly and accurately.

What is the difference between Remote Loan Officer vs Mortgage Underwriter?

AspectRemote Loan OfficerMortgage Underwriter
CredentialsLoan officer license, sometimes NMLS certificationMortgage license, NMLS certification often required
Work EnvironmentRemote or in-office, interacts with clients and lendersTypically in-office or remote, reviews loan files and documents
Industry UsageCommonly employed by banks, credit unions, mortgage companiesEmployed by lenders, banks, or mortgage companies
Search & Comparison IntentFocuses on client interaction, loan originationFocuses on loan approval, risk assessment

Remote Loan Officers primarily interact with clients to originate loans, requiring sales skills and licensing. Mortgage Underwriters evaluate loan applications for risk, often working behind the scenes. While both roles require NMLS certification and are employed in the mortgage industry, their daily tasks and focus differ significantly.

Can you work from home as a remote loan officer?

Yes, remote loan officers typically work from home, utilizing digital tools and communication platforms to evaluate loan applications, communicate with clients, and coordinate with teams. Many companies offer flexible schedules and require relevant certifications or licenses for remote work. However, specific job requirements may vary by employer.
More about Remote Loan Officer jobs

What are the most commonly searched types of Loan Officer jobs in Raleigh, NC?

The most popular types of Loan Officer jobs in Raleigh, NC are:

What are popular job titles related to Remote Loan Officer jobs in Raleigh, NC?

For Remote Loan Officer jobs in Raleigh, NC, the most frequently searched job titles are:

What job categories do people searching Remote Loan Officer jobs in Raleigh, NC look for?

The top searched job categories for Remote Loan Officer jobs in Raleigh, NC are:

What cities near Raleigh, NC are hiring for Remote Loan Officer jobs?

Cities near Raleigh, NC with the most Remote Loan Officer job openings:

Remote Loan Officer jobs near you
Infographic showing various Remote Loan Officer job openings in Raleigh, NC as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% Remote job distribution, with an average salary of $68,367 per year, or $32.9 per hour.

Licensed Mortgage Loan Officer

Raleigh, NC • Remote

Obsidian Financial Services
Finance and Insurance • 51 - 200 employees
Learn more about Obsidian Financial Servicesexternal

$70K - $300K/yr

Full-time

PTO

Re-posted 9 days ago

Job description

We are actively hiring Experienced Mortgage Loan Officers who are self-motivated, results-driven, and ready to grow their production. Our Loan Officers Benefit from Our Unique Programs such as our FHA VOE and Earned Equity Programs that supercharge your pipeline and our unique payment model allow you to close fast and make more!

Speak with one of our experienced AE's to see our pricing!

This is a 100% commission-based role ideal for Loan Officers who:

  • Have an existing book of business
  • Want higher payouts and faster closings
  • Prefer a flexible, work-from-home environment

Bilingual candidates (Spanish preferred) are strongly encouraged to apply to better serve diverse borrower communities.

Responsibilities

  • Originate and close residential mortgage loans (purchase, refinance, and specialty products)
  • Utilize your existing referral network and book of business to generate consistent loan volume
  • Analyze borrower financials, including income calculation, credit review, and documentation
  • Structure loans across multiple programs including:
    • Conventional
    • FHA / VA / USDA
    • Non-QM
    • Down Payment Assistance (DPA) programs
  • Maintain consistent communication with clients, agents, and internal teams
  • Submit complete and accurate loan files to processing
  • Attend weekly loan and product training sessions
  • Stay up to date with mortgage guidelines, compliance, and market trends
  • Deliver exceptional customer service from application through closing

Minimum Qualifications

  • Active NMLS License (Required)
  • Active State Mortgage License(s) (in applicable states)
  • Minimum 2+ years of experience as a Mortgage Loan Originator / Loan Officer
  • Proven book of business or referral network
  • Strong knowledge of:
    • Income calculation (W-2, self-employed, tax returns)
    • Loan structuring and underwriting basics
    • Credit analysis
  • Strong sales, communication, and relationship-building skills
  • Ability to work independently in a remote environment

Preferred Qualifications

  • Bilingual (Spanish preferred; other languages a plus)
  • Experience with Non-QM loan products
  • Established relationships with real estate agents, builders, or financial professionals
  • Experience using LOS, CRM systems, and digital marketing tools
  • Strong pipeline management and closing ability

Licensing & Certifications

  • NMLS Unique Identifier (Required)
  • State Mortgage Loan Originator Licenses (Required)
  • Compliance with SAFE Act requirements
  • Ongoing NMLS Continuing Education (CE) compliance
  • Familiarity with agency guidelines such as Fannie Mae and Ginnie Mae

Compensation

  • 100% Commission-Based – Uncapped Earnings
  • Unique Front and Back Compensation Plan
  • Competitive payout structure designed for high producers
  • No cap on income—earn based on your production and performance

What We Offer

  • Wide range of loan programs + DPA options
  • Fannie Mae / Ginnie Mae approved lender with no overlays
  • Ability to broker Non-QM loans Dedicated in-house Processing & Underwriting
  • Advanced LOS system, CRM, and marketing software
  • Scenario Desk for deal structuring support
  • Mentorship from experienced Regional Managers
  • Weekly training to keep you competitive
  • Fully remote work environment with flexible schedule

Why Loan Officers Choose Obsidian

  • Faster closings with fewer conditions
  • Strong backend support so you can focus on production
  • Flexibility to run your business your way
  • Access to more loan solutions = higher approval rates

Company Description

At Obsidian Mortgage, we are redefining the mortgage experience through professionalism, speed, and innovation. As a fully delegated lender licensed in 36 states, we empower our Loan Officers with the tools, support, and flexibility needed to succeed in today’s competitive market.

We provide a remote-first environment, cutting-edge technology, and a strong internal support system so you can focus on what matters most—closing deals and building relationships.