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Warehouse Lending Jobs (NOW HIRING)

Banc of California

VP, Warehouse Lending

Santa Ana, CA · On-site

$58.17 - $97.36/hr

THE OPPORTUNITY The Vice President, Warehouse Lending is responsible for supporting the day-to-day operations and execution of the Bank's Warehouse Lending portfolio. This role oversees funding ...

First Bank

Warehouse Lending Funding Coordinator

Plano, TX · On-site

$17.25 - $22/hr

Prior Warehouse Lending experience strongly preferred. * Mortgage Loan Processor experience a plus. * High School diploma or equivalent. * Meticulous with the ability & desire to learn new tasks.

First Bank

Warehouse Lending Funding Coordinator

Plano, TX · On-site

$21.85 - $26.77/hr

The position will include receiving warehouse lending funding requests for various products via file uploads in the bank's Warehouse System and processing the file for funding approval and release of ...

Sonabank

Warehouse Operations Specialist

Frisco, TX · On-site

$54K - $79K/yr

This position is responsible for servicing warehouse lending customers. Essential Functions * Manage workflow to ensure all loans stay within compliance. * Review submitted loan packages for accuracy ...

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Warehouse Lending information

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How much do warehouse lending jobs pay per hour?

As of Jun 13, 2026, the average hourly pay for warehouse lending in the United States is $17.31, according to ZipRecruiter salary data. Most workers in this role earn between $15.38 and $18.27 per hour, depending on experience, location, and employer.

What is the highest paying warehouse job?

The highest paying warehouse jobs typically include warehouse managers, logistics directors, and supply chain executives, with salaries often exceeding $70,000 annually. These roles require leadership skills, experience, and knowledge of warehouse operations, inventory management, and sometimes certifications in logistics or supply chain management.

What are the key skills and qualifications needed to thrive as a Warehouse Lending professional, and why are they important?

To thrive in Warehouse Lending, you need a solid understanding of mortgage banking, credit analysis, and risk management, typically supported by a degree in finance or a related field. Familiarity with loan origination systems, warehouse lending platforms, and regulatory compliance tools is important. Strong attention to detail, analytical thinking, and effective communication skills help professionals excel in this role. These skills ensure accurate loan funding, mitigate financial risk, and maintain smooth operations within a highly regulated environment.

What is warehouse lending?

Warehouse lending is a form of short-term financing that mortgage lenders use to fund loans for their borrowers. In this process, a warehouse lender provides a line of credit to a mortgage company, which is then used to fund the loans until they are sold to investors or agencies such as Fannie Mae or Freddie Mac. Once the loan is sold, the proceeds are used to repay the warehouse line of credit. This system helps mortgage lenders manage cash flow and continue originating new loans without tying up their own capital.

How hard is it to become a loan processor?

Becoming a loan processor in warehouse lending typically requires a high school diploma or equivalent, with some employers preferring experience in banking or mortgage processing. Strong organizational skills, attention to detail, and familiarity with loan documentation and processing software are important; certifications are not usually mandatory but can enhance job prospects.

How to get a job in lending?

To get a job in warehouse lending, candidates typically need a background in finance, real estate, or banking, along with strong analytical and communication skills. Relevant experience in mortgage or loan processing and familiarity with loan management software can be advantageous. Certifications such as the Mortgage Loan Originator license may also improve job prospects.

How does warehouse lending work?

Warehouse lending involves a financial institution providing short-term funding to mortgage lenders to fund loans until they are sold to investors. The lender uses the warehouse line of credit to finance the mortgage originations, which are typically secured by the underlying property. Warehouse lenders monitor loan quality and compliance, and the process requires knowledge of mortgage documentation and industry regulations.

What is the difference between Warehouse Lending vs Mortgage Underwriter?

AspectWarehouse LendingMortgage Underwriter
Required CredentialsTypically requires finance, banking, or real estate experience; certifications like CAMS or similar are commonRequires mortgage lending experience; certifications like MLO license or equivalent are common
Work EnvironmentBanking or financial institutions; focus on loan funding and warehouse linesMortgage lenders, banks, or mortgage companies; focus on loan approval and risk assessment
Industry UsageUsed in real estate finance, mortgage banking, and loan fundingUsed in mortgage lending, loan approval, and risk management

Warehouse Lending involves providing short-term financing to mortgage lenders to fund loans, focusing on funding and liquidity management. Mortgage Underwriters evaluate loan applications to determine approval based on creditworthiness and compliance. While both roles operate within the mortgage industry, Warehouse Lending centers on funding logistics, whereas Mortgage Underwriters focus on risk assessment and approval processes.

What are some common challenges faced in a Warehouse Lending role, and how can they be managed effectively?

Professionals in Warehouse Lending often encounter challenges such as managing tight funding deadlines, ensuring compliance with evolving regulatory requirements, and maintaining accurate documentation throughout the loan process. To manage these effectively, it’s important to develop strong organizational skills, stay updated on industry guidelines, and foster clear communication with correspondent lenders, title companies, and internal operations teams. Leveraging technology platforms for tracking loans and automating routine tasks can also help minimize errors and streamline processes, making daily operations more efficient.
More about Warehouse Lending jobs
What cities are hiring for Warehouse Lending jobs? Cities with the most Warehouse Lending job openings:
What states have the most Warehouse Lending jobs? States with the most job openings for Warehouse Lending jobs include:
What job categories do people searching Warehouse Lending jobs look for? The top searched job categories for Warehouse Lending jobs are:
Warehouse Lending jobs near you
Infographic showing various Warehouse Lending job openings in the United States as of June 2026, with employment types broken down into 98% Full Time, 1% Part Time, and 1% Temporary. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $36,002 per year, or $17.3 per hour.
Warehouse Lending Credit Officer

Warehouse Lending Credit Officer

Hilltop Holdings

Dallas, TX

Other

Posted 17 days ago

Job description

Job Description
The National Warehouse Lending (NWL) Credit Officer executes credit risk management strategies for the National Warehouse Lending division, ensuring strong credit quality, sound deal structures, effective ongoing monitoring, and adherence to bank credit policies. This role provides strategic oversight of credit and risk operations, manages credit/risk staff, and partners closely with Warehouse Lending leadership to support profitable, well-structured client relationships. The NWL Credit Officer serves as the division's key risk steward, promoting disciplined credit standards, proactive portfolio monitoring, strong portfolio performance, and consistent application of risk policies across all warehouse lending clients.
Responsibilities
  1. Executes and upholds the bank's credit policies within the National Warehouse Lending division, ensuring consistent application of credit standards across all lending relationships.
  2. Evaluates the financial condition, performance, and qualitative attributes of mortgage originators and investors to determine creditworthiness, sustainability, and long-term relationship viability.
  3. Reviews and provides departmental approval of all credit packages completed by the credit team before releasing them for approval to the appropriate designated signing authority.
  4. Partners with Warehouse Lending sales, operations, and senior leadership to support strategic growth while maintaining strong credit discipline.
  5. Cultivates a network of industry, client, and internal relationships to monitor market dynamics, anticipate regulatory changes, and gather insights that support informed assessments of borrower character, capacity, and conditions.
  6. Develops, analyzes, and delivers reports to the Warehouse Oversight Committee, Board of Directors, and senior leadership, providing meaningful insights into credit quality, portfolio trends, and risk indicators.
  7. Supports departmental risk mitigation efforts by providing guidance to team members including, but not limited to, quality control, settlement agent and counterparty due diligence.
  8. Oversees portfolio health through proactive credit monitoring, covenant compliance, borrowing base monitoring, collateral controls, warehouse line usage, and exposure management.
  9. Identifies emerging risks, trends, or deterioration in client performance and recommend action plans, adjustments, or exit strategies, ensuring the upline credit management is promptly informed of any material concerns.
  10. Ensures compliance with general regulatory, credit, and operational standards, including collateral controls and security requirements unique to warehouse lending.
  11. Contributes to policy refinement, workflow optimization, and process modernization to improve efficiency and risk oversight.
  12. Directly manages departmental credit and risk staff, providing leadership, coaching, and development to maintain high-performing teams.
  13. Other duties as assigned

Qualifications
  • Bachelor's degree in Business or related field required. Accounting or Finance degree strongly preferred.
  • 5 or more years' experience in mortgage warehouse lending credit, risk or lending with demonstrated warehouse lending credit knowledge; previous management or mortgage warehouse lending sales experience a plus.
  • Demonstrated knowledge of mortgage warehouse lending as well as mortgage banking operations for originators typical of the bank's portfolio.
  • Ability to interface effectively and professionally with senior/executive level management.
  • Proficient in the communication of technical information both verbally and in writing to both technical and non-technical audiences.
  • Ability to travel in order to develop and maintain customer base and attend training/development sessions.
  • Must have excellent judgement and decision-making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
  • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
  • Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
About Us
PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.
Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.
PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.
PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.
To learn more, please visit us online at plainscapital.com/about.

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