Outside Loan Originator

CrossCountry Mortgage, LLC; Hauppauge (NY); On-site; USD 70,000 - 120,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC (CCM) is seeking an Outside Loan Originator to source mortgage leads, build relationships with real estate agents, and guide borrowers through the loan process in compliance with the S.A.F.E. Act.

This role emphasizes proactive business development and collaboration with processing and underwriting teams across CCM’s nationwide network. The position requires an active NMLS license, knowledge of mortgage products, and strong analytical and communication skills.

Qualifications

• NMLS license required under the S.A.F.E. Act.
• Experience with retail loan products and underwriting processes.
• Proactive business development skills.
• Encompass experience preferred.
• Knowledge of mortgage products and programs.
• Strong analytical abilities to evaluate credit.
• Excellent communication and collaboration.
• Proficient with Microsoft Word, Excel, PowerPoint, Outlook.

Responsibilities

• Source mortgage leads and 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 to meet customers’ needs.
• Meet with applicants to obtain information for loan applications and answer questions.
• Analyze applicants’ financial status, credit, and property evaluations for feasibility of loans.
• Explain loan types and terms to customers and generate complete applications.
• Improve loan applications and documentation by informing applicants of additional requirements.
• Address questions and resolve customer requests and complaints.
• Maintain communication with real estate agents or referral sources.
• Coordinate with processing and underwriting to resolve mortgage issues.
• Keep up with industry knowledge and participate in professional activities.
• Attend closings/open houses and participate in CCM seminars/trainings for lead generation.

Skills

NMLS License

Retail mortgage knowledge

Analytical skills

Communication skills

Mortgage products knowledge

Tools

Encompass

MS Office Suite

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.

• medical
• dental
• vision
• 401K
• company-provided short-term disability
• employee assistance program
• 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 (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.

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 offers MORE than a job, we offer a career.

Our team is expanding, and we want to hire the most talented people we can. Continued success depends on it!

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.