Senior API Developer

EMM LOANS LLC•Tampa, FL

19h•Remote

About The Position

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.

Requirements

5+ years of backend/API development experience
3+ years of advanced Microsoft SQL Server development
Strong experience with: .NET Core / .NET Framework
Strong experience with: RESTful API design
Strong experience with: T-SQL optimization
Strong experience with: JSON & XML processing
Experience with Encompass API or SDK framework
Understanding of mortgage lifecycle and loan data structures
Experience with MISMO standards

Nice To Haves

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

Responsibilities

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
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
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
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
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