Inside Loan Originator

CrossCountry Mortgage, LLC; Crofton, Northern (MD, KY); Hybrid; USD 50,000 - 90,000; Full time

Job summary

CrossCountry Mortgage, LLC is seeking an Inside Loan Originator to convert inbound premium leads into loans by promoting our competitive mortgage products and programs. You will consult with customers about their financing needs and collect supporting documentation.

You will manage a personal pipeline to meet service standards and production goals, stay current with rate programs, and use in-house systems to process loan applications and disclosures.

Qualifications

• Minimum of 1 year of sales or origination experience in a consumer direct or call center environment.
• Experience collecting and analyzing borrower income and negotiating skills.
• Experience proactively soliciting new business.
• Knowledge of retail product philosophy, policy, underwriting, procedures, documentation and systems.
• Experience converting leads and in-bound calls, preferred.
• NMLS License under the terms of the S.A.F.E. Act, a plus.
• State License under the terms of the SAFE Act, a plus.
• Excellent analytical skills.
• Excellent communication and collaboration skills.
• Proficiency in Microsoft Office Suite.

Responsibilities

• Establish a presence for CCM, including but not limited to, converting incoming leads.
• Analyze current rates and programs to provide accurate and timely information to borrowers.
• Negotiate terms and conditions with borrowers.
• Participate in all steps related to the origination of a mortgage loan including but not limited to, meeting with prospects, counseling borrowers, taking mortgage applications by phone.
• Manage personal pipeline to ensure service standards and financial goals are met.
• Learn various borrowing programs and processes and stay current with changes and new products.
• Learn and utilize various in-house technical systems and programs.
• Evaluate credit requests and determine trends in a given marketplace.
• Comply with all applicable federal and state compliance guidelines relative to the position.
• Available to work varying hours and overtime if needed.

Skills

Sales experience

Loan origination

Negotiation skills

Lead conversion

Customer service

NMLS License

State License

Microsoft Office Suite

CRM systems

Tools

CRM systems

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.

Position Overview

The Inside Loan Originator is responsible for converting inbound premium leads into loans by promoting CrossCountry Mortgage’s competitive mortgage products, services, and programs. This position consults with customers about their current and future needs to help achieve financing needs, collects and reviews all needed supporting loan documentation, and maintains minimum standards for production and quality.

Job Responsibilities

• Establish a presence for CCM, including but not limited to, converting incoming leads.
• Analyze current rates and programs to provide accurate and timely information to borrowers.
• Negotiate terms and conditions with borrowers.
• Participate in all steps related to the origination of a mortgage loan including but not limited to, meeting with prospects, counseling borrowers, taking mortgage applications by phone.
• Manage personal pipeline to ensure service standards and financial goals are met.
• Learn various borrowing programs and processes and stay current with changes and new products.
• Learn and utilize various in-house technical systems and programs.
• Evaluate credit requests and determine trends in a given marketplace.
• Comply with all applicable federal and state compliance guidelines relative to the position.
• Available to work varying hours and overtime if needed.

Qualifications and Skills

• Minimum of 1 year of sales experience or origination experience in a consumer direct or call center environment.
• Experience collecting and analyzing borrower income and negotiating skills.
• Experience proactively soliciting new business.
• Knowledge of retail product philosophy, policy, underwriting, procedures, documentation and systems.
• Experience converting leads and in-bound calls, preferred.
• NMLS License under the terms of the S.A.F.E. Act of 2008 (“SAFE Act”) *, a plus.
• State License under the terms of the SAFE Act*, a plus.
• Excellent analytical skills.
• Excellent communication and collaboration skills.
• Proficiency in standardized software applications, including Microsoft Office Suite (i.e. Word, Excel, PowerPoint and Outlook).

The 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 offers MORE than a job, we offer a career.

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.

Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people. Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.