Outside Loan Originator

CrossCountry Mortgage, LLC; Ann Arbor (MI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC is seeking an Outside Loan Originator to maintain an NMLS license and originate real estate loans in line with CCM guidelines. You will handle lead generation, foster agent relationships, and coordinate with processing and underwriting to resolve mortgage applications.

You will meet applicants, collect documentation, explain loan options, and seek referrals to grow CCM’s loan portfolio. The role emphasizes communication, compliance, and ongoing professional development.

Qualifications

• NMLS License required under the SAFE Act of 2008.
• Experience with retail product philosophy, policy, underwriting, procedures, documentation and systems.
• Experience proactively soliciting new business.
• Knowledge of mortgage products and programs.
• Excellent analytical skills to evaluate credit requests and trends.
• Advanced communication and collaboration skills.
• Proficient in Microsoft Word, Excel, PowerPoint and Outlook.

Responsibilities

• Source mortgage leads.
• Build relationships with real estate agents and other lead sources.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Market CCM products to individuals and firms, promoting CCM services that may meet customers’ needs.
• Meet with applicants to obtain information for loan applications and answer questions about the process.
• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain loan types and credit options, as well as terms of services.
• Generate complete loan applications with documentation.
• Improve loan applications by informing the applicant of additional requirements.
• Help customers by answering questions and responding to requests.
• Handle customer complaints and take action to resolve them.
• Own communication with real estate agents or referral sources.
• Confer with processing and underwriting to aid in resolving mortgage issues.
• Maintain knowledge by education, reading, networking, and professional involvement.
• Participate in mortgage sales activities like closings, open houses, trainings and seminars.

Skills

NMLS License

Retail mortgage

Encompass experience

Lead generation

Communication skills

MS Office

Tools

Encompass

CRM software

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 Outside Loan Originator (“Outside LO”) is responsible for maintaining an NMLS license required under the S.A.F.E. Act of 2008, originating and processing real estate mortgage loans in accordance with CrossCountry Mortgage, LLC (“CCM”) processes and product guidelines.

CrossCountry Mortgage, LLC offers MORE than a job, we offer a career.

Job Responsibilities

• Source mortgage leads.
• Build relationships with real estate agents and other lead sources.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Market CCM products to individuals and firms, promoting CCM services that may meet customers’ needs.
• Meet with applicants to obtain information for loan applications and answer questions about the process.
• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Generate complete loan applications with corresponding documentation.
• Improve loan applications and documentation by informing the applicant of additional requirements.
• Help customers by answering questions and responding to requests.
• Handle customer complaints and take appropriate action to resolve them.
• Own the communication with the real estate agent or referral source.
• Confer with processing and underwriting to aid in resolving mortgage application problems.
• Maintain job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations.
• Regularly participate in activities in connection with mortgage sales, including but not limited to attend closings, open houses, and/or conduct CCM seminars/trainings and other lead-generating activities.
• Mortgage coaching available.

Qualifications and Skills

• NMLS License Required under the S.A.F.E. Act of 2008.
• Experience with retail product philosophy, policy, underwriting, procedures, documentation and systems.
• Experience proactively soliciting new business.
• Encompass experience, preferred.
• Knowledge of all mortgage products and programs.
• Excellent analytical skills to evaluate credit requests and determine trends in a given marketplace.
• Advanced communication and collaboration skills.
• Proficient in standardized software applications, including Microsoft Word, Excel, PowerPoint and Outlook.

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.

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.