Senior API Developer

EMM Loans is seeking a highly technical Senior API Developer with deep expertise in Microsoft SQL Server and strong experience in mortgage system integrations. This role is responsible for designing and building scalable, secure APIs and data services that integrate our Loan Origination System with internal platforms and third-party mortgage vendors.

The ideal candidate has hands-on experience working with ICE Mortgage Technology Encompass, understands MISMO data structures, and has strong SQL performance tuning and database design skills.

This is a hands-on engineering role requiring strong backend development, database architecture, and integration troubleshooting capabilities.

This is a remote, full time position.

Technical Responsibilities, other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

API & Backend Development

• Design and develop RESTful APIs using .NET (C# preferred)
• Build and maintain integration services connecting Encompass to:

• Third Party Vendors like ADP, LoanVision, Concur, Velocify
• Credit providers
• PPE systems
• Compliance engines
• Servicing platforms

• Develop middleware for synchronous and asynchronous processing
• Implement secure authentication (OAuth2, JWT, token-based auth)
• Consume and publish webhooks and event-driven services
• Handle high-volume API traffic with proper error handling and retry logic

SQL Server Engineering (Advanced Required)

• Design normalized and optimized database schemas
• Develop complex:

• Stored procedures
• Views
• Functions
• Triggers

• Write high-performance T-SQL queries
• Perform query optimization using:

• Execution plans
• Index tuning
• Partitioning strategies

• Troubleshoot blocking, deadlocks, and performance bottlenecks
• Implement ETL processes for mortgage loan data by using SSIS/SSRS
• Support reporting, audit, and reconciliation processes

Data Integration & Transformation

• Parse and generate MISMO XML
• Transform MISMO JSON payloads
• Implement validation frameworks for loan data integrity
• Map 1003 data structures to vendor-specific schemas
• Maintain canonical loan data models
• Handle large dataset imports/exports

Architecture & DevOps

• Implement layered architecture (Controller Service Repository patterns)
• Apply SOLID principles and clean architecture practices
• Write unit and integration tests
• Participate in CI/CD pipeline deployments
• Implement logging, monitoring, and observability standards

Security & Compliance

• Enforce TLS 1.2+ encryption standards
• Implement secure secrets management
• Maintain audit trails for PII access
• Align development practices with GLBA and SOC 2 controls
• Conduct API security reviews and vulnerability assessments

• 5+ years of backend/API development experience
• 3+ years of advanced Microsoft SQL Server development
• Strong experience with:

• .NET Core / .NET Framework
• RESTful API design
• T-SQL optimization
• JSON & XML processing

• Experience with Encompass API or SDK framework
• Understanding of mortgage lifecycle and loan data structures
• Experience with MISMO standards

Preferred Technical Qualifications

• Azure (App Services, Azure SQL, Service Bus)
• Experience with API gateways (Azure API Management)
• Power BI or enterprise reporting integration like Tableau.
• Experience modernizing legacy SDK-based integrations

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!