Mortgage Loan Officer

About the Role

West Shores Financial is the in-house lending arm of West Shores Realty, a major real estate brokerage with 400+ active Realtors across South Bay and surrounding markets. We operate as a “big box” realty shop offering full-service real estate and mortgage solutions under one roof. As an integrated partner, you will collaborate directly with our agents, be plugged into deal flow, and support Realtor clients from day one.

Responsibilities

• Originate, process, and close residential mortgage loans for homebuyers and sellers
• Partner with internal real estate agents on live listings and buyer leads
• Provide consultative support, prequalification, scenario modeling, and pipeline management
• Maintain regulatory compliance (loan disclosures, documentation, underwriting standards)
• Work closely with underwriting, processing, and internal teams to ensure smooth closings
• Cultivate relationships with our agent network and help them grow their business via financing solutions
• Call West Shores Realty agents to assist with current clients

Requirements

• Minimum 2 years of experience as a residential Mortgage Loan Officer
• Valid NMLS license
• California DRE license
• Deep knowledge of conventional, FHA, VA, jumbo, and other lending products
• Strong financial skills, attention to detail, and solid communication
• Ability to work in a team (daily interaction with realtors, operations, and support staff)
• Commitment to high ethical and compliance standards

Why Work with West Shores

Compared to “outside” lending shops, West Shores Financial offers:

• Immediate access to Realtor clients & listings: You are pre-positioned in a brokerage environment — agents bring you deals, list with you, and rely on you as a resource. Outside lenders often spend years trying to break into agent networks or cold-calling to get agent relationships.
• Lead flow and pipeline advantages: Direct exposure to agent pipelines, new listings, and buyer leads already in motion. Outside lenders depend purely on their own marketing and referrals, with no internal deal flow.
• True alignment & collaboration: You sit alongside agents, attend internal meetings, get referrals organically, and are viewed as part of the team. Outside lenders are often seen as external business partners, competing for attention.
• Brand and trust advantage: Agents and clients already trust the West Shores brand — less friction, more credibility. Independent lenders must build trust and brand from scratch in many markets.
• Operational support & infrastructure: Back-office, compliance, administrative support, training, and systems already in place. Outside lenders may need to assemble or manage their own infrastructure and overhead.

Because of our unique integrated model, your ramp time is shorter, you can enjoy predictable deal flow sooner, and your value to agents is far more evident.

Benefits

• Competitive commission (commission only)
• Bonus incentives or production tiers
• Full access to in-house support (processing, compliance, underwriting)
• Marketing, lead tools, CRM, and tech support
• Opportunity for career growth into management, branch leadership, or supervisory roles
• Access to full West Shores Realty network, events, and broker meetings