Loan Originator

CCM CrossCountry Mortgage, LLC; Middletown Township (NJ); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage is seeking an Inside Loan Originator to convert inbound premium leads and promote mortgage products. You’ll consult with customers to identify financing needs, collect supporting documents, and maintain production and quality standards.

You will analyze rates, negotiate terms with borrowers, manage your pipeline, and participate in all origination steps, including phone applications. A background in sales or loan origination and knowledge of underwriting processes are

Qualifications

• 1 year of sales or loan origination experience in consumer direct or call center.
• Experience collecting/analyzing borrower income and negotiating.
• Experience soliciting new business proactively.
• Knowledge of retail product philosophy, underwriting, procedures, and systems.
• Experience converting leads and inbound calls preferred.
• NMLS license under SAFE Act, a plus; state license under SAFE Act, a plus.
• Analytical and communication skills; ability to collaborate.
• Proficiency in Word, Excel, PowerPoint and Outlook.

Responsibilities

• Establish CCM presence by converting incoming leads.
• Analyze current rates and programs to inform borrowers.
• Negotiate terms with borrowers.
• Originate mortgage loans: meet prospects, counsel borrowers, take applications by phone.
• Manage personal pipeline to meet service standards and goals.
• Learn borrowing programs and stay updated on product changes.
• Utilize in-house systems and programs.
• Evaluate credit requests and market trends.
• Comply with federal/state compliance guidelines; overtime as needed.

Skills

Sales experience

Origination experience

Income analysis

Negotiation

Lead generation

SAFE Act license

State license

Analytical skills

Communication skills

MS Office

Tools

Microsoft Office

Job description

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).

Benefits

• competitive compensation plan
• medical
• dental
• vision
• a 401K
• company-provided short-term disability
• an employee assistance program
• a wellness program

Equal Employment Opportunity

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.

Legal and Licensing Disclosures

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.

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

CrossCountry Mortgage offers eligible employees a robust benefit package: https://mycrosscountrybenefits.com

Our growth is creating great opportunities! Our team is expanding, and we want to hire the most talented people we can.

Thanks for your interest in working on our team!

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.