Consumer Direct Loan Officer

CrossCountry Mortgage, LLC; Cincinnati (OH); On-site; USD 80,000 - 110,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k)

Short-term disability

Employee assistance program

Wellness program

Paid time off

Ongoing coaching

Professional development

Job summary

CrossCountry Mortgage, LLC in Cincinnati, OH is seeking a Consumer Direct Loan Officer to originate mortgage loans from a robust inbound lead pipeline while delivering an exceptional customer experience. This role is ideal for a sales professional looking to elevate consumer direct lending in a dynamic, performance-driven environment.

You will receive ongoing coaching, regular call reviews, and development opportunities designed to boost your production, client satisfaction, and career growth

Qualifications

• Active NMLS license or eligibility required.
• Minimum 2 years of mortgage loan origination experience.
• Experience converting inbound opportunities into funded loans.
• Experience in consumer direct or call center mortgage lending.
• Strong consultative sales and communication skills.

Responsibilities

• Respond to inbound and outbound inquiries from prospective borrowers.
• Educate customers on loan products, rates, terms, and options.
• Assess financials, credit, income, assets, and borrowing needs.
• Recommend loan solutions that meet customer goals.
• Guide applicants through the loan process from application to closing.
• Collect and verify income, employment, and asset documents.
• Maintain communication on status and required items.
• Coordinate with processors, underwriters, and closers.
• Ensure compliance with lending regulations and internal policies.
• Convert qualified leads to funded loans and manage pipeline.
• Aim to meet/exceed production and customer satisfaction targets.

Skills

NMLS license

2+ years origination

Inbound/outbound sales

Call center experience

Consultative selling

Excellent communication

Job description

CrossCountry Mortgage (CCM)is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.

A culture where you can grow!

CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Join a high-performing sales team in Cincinnati, OH! Most mortgage sales opportunities promote one thing: leads. We offer more than a full pipeline. Join a team built to sharpen your skills, expand your opportunities, and prepare you for what's next. We're building a team of coachable, results-oriented Loan Originators who want to excel in consumer direct sales and potentially grow into leadership.

Qualified candidates may be eligible for a sign-on bonus based on experience, production history, licensing status, and overall qualifications.

What We Offer

• Competitive compensation.
• Premium inbound opportunities.
• Ongoing coaching and professional development.
• Medical, dental, and vision insurance.
• 401(k).
• Paid time off.

Position Overview

The Consumer Direct Loan Officer is responsible for originating mortgage loans through a robust pipeline of inbound leads while delivering an exceptional customer experience. This role is ideal for a sales professional who wants to elevate their consumer direct lending expertise in a dynamic, performance-oriented environment. The Consumer Direct Loan Officer receives ongoing coaching, call reviews, and professional development opportunities designed to enhance sales effectiveness, maximize production, and support long-term career growth.

Job Responsibilities

• Respond to inbound and outbound inquiries from prospective borrowers.
• Educate customers on available loan products, interest rates, terms, and financing options.
• Assess applicants' financial situations, credit history, income, assets, and borrowing needs.
• Recommend loan solutions that align with customer goals and qualification requirements.
• Guide customers through the loan application process from initial contact through closing.
• Collect, review, and verify required documentation, including income, employment, and asset information.
• Maintain regular communication with borrowers regarding application status and outstanding requirements.
• Partner with loan processors, underwriters, and closing teams to facilitate loan approvals and closings.
• Ensure compliance with federal, state, and company lending regulations, policies, and procedures.
• Convert qualified leads to funded loans by providing a consultative and customer-focused sales experience.
• Manage a pipeline of mortgage loan applications and drive loans efficiently through the origination process.
• Meet or exceed individual production, conversion, and customer satisfaction goals.

Qualifications And Skills

• Active NMLS license or eligibility for licensure.
• 2+ years of mortgage loan origination experience.
• Experience converting inbound opportunities into funded loans.
• Experience in a consumer direct or call center mortgage lending environment.
• Skilled at applying feedback to enhance performance and achieve business objectives.
• Excellent consultative sales, objection-handling, and relationship-building skills.
• Excellent communication skills.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com

California residents:

Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.