Loan Officer II, Retail

Carrington; Chandler (AZ); On-site; USD 125,000 - 300,000; Full time

Benefits offered by this job

Comprehensive healthcare plans

Discretionary 401(k) match

Educational Reimbursement

Employee referral bonuses

Job summary

Carrington Mortgage Services-Retail Lending in Chandler, AZ seeks a Loan Officer II to guide customers through refinance, first lien, or HELOC options. You will advise customers on mortgage products and document collection to close loans, handling both outbound and inbound inquiries with a strong focus on service and regulatory compliance.

You will work with Carrington’s underwriting guidelines and origination systems, leveraging leads and partner networks to deliver timely closings and

Qualifications

• Knowledge of FHA, FNMA, FHLMC, VA, USDA, HELOAN and HELOC products.
• Knowledge of refinance transactions.
• Knowledge of Carrington underwriting guidelines or ability to learn quickly.
• Knowledge of Carrington’s loan origination system or ability to learn quickly.
• Industry software knowledge (Leads360, DU, LP) preferred.
• Proficient at or capable of learning mortgage origination software and technologies.
• Passionate about serving Carrington Mortgage customers.
• Excellent communication, listening and interpersonal skills.

Responsibilities

• Prospect, connect, and build rapport with customers by making outbound calls to company-sourced leads and taking inbound calls from customer inquiries, Customer Service agent transfers, and third party transfers.
• Guide customers to the best mortgage products by listening to needs, answering questions, and collecting documents to close a mortgage loan.
• Follow up with customers to ensure high level of service.
• Adhere to all disclosure requirements when interacting with customers.
• Partner with business partners to ensure seamless file flow.
• Maintain resilience and adaptability to changes in mortgage industry.
• Adhere to laws and regulations regarding mortgage lending.
• Perform other duties as assigned.

Skills

Communication

Rapport building

Customer service

Phone sales

Tools

Leads360

DU/LP

Loan origination software

Job description

Come join our amazing team and work in our Chandler, AZ Office!

Our Loan Officer II functions as a Consumer Direct inside sales mortgage originator and advises customers of all their mortgage options. Responsible for guiding our customers through the refinance/first lien mortgage or home equity mortgage process on their home. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates.. The target pay range for this position is $125,000 - $300,000+ annually.

What you’ll do:

• Prospect, connect, and build rapport with customers by making outbound calls to company-sourced leads and taking inbound calls from customer inquiries, Customer Service agent transfers, and third party transfers.
• Guide customers to the best mortgage products available by listening to the customer needs, answering questions, and collecting all documents necessary to close a mortgage loan.
• Follow up with customers to ensure we are providing a high level of best-in-class service.
• Adhere to all phone, email and SMS disclosure requirements when interacting with customers.
• Partner with all respective business partners to ensure an expedient and seamless process of file flow.
• Maintain resilience, determination, and adaptability to the changes in the mortgage industry and our customers’ needs.
• Maintain adherence to all applicable laws and regulations regarding mortgage lending.
• Perform other duties as assigned

What you’ll need:

• Knowledge of FHA, FNMA, FHLMC, VA, USDA, HELOAN and HELOC products.
• Knowledge of refinance transactions.
• Knowledge of Carrington’s underwriting guidelines and investor requirements or ability to learn quickly.
• Knowledge of Carrington’s loan origination system or ability to learn quickly.
• Industry specific software knowledge preferred, i.e. Lead management systems (Leads 360), DU, LP, Appraisal Management Software.
• Proficient at or capable of learning all mortgage origination software and technologies.
• Passionate about serving current Carrington Mortgage customers.
• Excellent communication, listening and interpersonal skills.

Our Company:

Carrington Mortgage Services-Retail Lending is part of The Carrington Companies. We offer a wide variety of home purchase and refinance products for government and conventional loan programs, specializing in underserved programs for borrowers with less than perfect credit and low down payment. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com .

What is the value proposition to joining the team?

• Full array of mortgage programs.
• Paperless loan file flow and process.
• Aggressive Marketing support including brochures, social media, and CRM.
• Aggressive underwriting: we manual underwrite over 80% of our files
• Warm exclusive leads
• Ability to originate nationally
• Competitive compensation plan, including a base plus commission.

What We Offer:

• Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
• Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
• Customized training programs to help you advance your career.
• Employee referral bonuses so you’ll get the opportunity to work with friends (and get some extra cash in your pocket!).
• Educational Reimbursement.
• Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

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Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.