Outside Loan Originator

CrossCountry Mortgage, LLC; Fort Mitchell (KY); On-site; USD 52,000 - 80,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) plan

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC is seeking an Outside Loan Originator to originate and process real estate mortgage loans while maintaining an NMLS license under the SAFE Act. You will source leads, build relationships with real estate agents, analyze markets, and market CCM products to clients.

You will meet applicants, collect information, evaluate financials, and coordinate with processing and underwriting to resolve issues, including closings and seminars.

Qualifications

• NMLS license required under SAFE Act.
• Experience with retail mortgage products and underwriting processes.
• Proven ability to proactively solicit new business.
• Encompass experience preferred.
• Knowledge of mortgage products and programs.
• Strong analytical skills to evaluate credit requests.
• Excellent communication and collaboration abilities.

Responsibilities

• Source mortgage leads from various channels.
• Build relationships with real estate agents and other referral sources.
• Analyze loan markets and develop referral networks.
• Market CCM mortgage products to individuals and firms.
• Meet applicants to collect information for loan applications.
• Evaluate applicants’ financials, credit, and property values.
• Explain loan types and terms to customers.
• Generate complete loan applications with documentation.
• Advise applicants on additional requirements to improve applications.
• Assist customers by answering questions and resolving requests.
• Coordinate with processing and underwriting to resolve issues.
• Participate in mortgage sales activities, including closings/open houses/ CCM seminars.
• Engage in ongoing professional development and industry research.

Skills

NMLS License

Mortgage underwriting

Business development

Mortgage products

Credit analysis

Communication

MS Office

Tools

Encompass

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.

Job Responsibilities:

• Source mortgage leads.

• Build business 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 and/or knowledge of retail product philosophy, policy, underwriting, procedures, documentation, and systems.

• Experience proactively soliciting new business.

• Encompass experience, preferred.

• Knowledge of 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.

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.