Producing Branch Manager

Rate; Montclair (NJ); On-site; USD 60,000 - 90,000; Full time

Job summary

Rate is seeking a highly motivated Mortgage Loan Originator to support luxury and residential real estate offices throughout New Jersey. This role emphasizes building long-term relationships with agents, educating clients, and developing business organically.

The successful candidate will serve as the in-house mortgage resource for assigned offices while leveraging the brand strength and operational support of a recognized mortgage platform. This is a unique opportunity to grow within an expanding initiative.

Qualifications

• Strong relationship-building skills in a mortgage setting.
• Experience in educating clients on mortgage products and processes.
• Entrepreneurial mindset and ability to develop business organically.

Responsibilities

• Serve as the in-house mortgage partner for assigned real estate offices.
• Build and maintain relationships with real estate agents and clients.
• Conduct mortgage education sessions and provide consultative guidance.
• Manage loans from pre-approval to closing, ensuring exceptional service.

Job description

We are seeking a highly motivated, relationship-driven Mortgage Loan Originator to join a growing in-house real estate finance platform supporting luxury and residential real estate offices throughout New Jersey.

This is not a traditional “self-source everything” loan officer position.

This role is designed for an entrepreneurial mortgage professional who wants to become a trusted, embedded financial partner inside high-producing real estate offices — building long-term relationships with agents, educating clients, creating financing strategies, and helping grow market share from the ground up.

You will work directly with real estate professionals as their preferred lending resource while leveraging the technology, operational support, marketing, and brand strength of a nationally recognized mortgage platform.

This is a unique opportunity to step into an expanding initiative with significant runway, office growth potential, and leadership visibility.

What You’ll Do

Serve as the in-house mortgage partner for assigned real estate offices

• Build relationships with agents and office leadership
• Become the trusted financing resource for buyers, sellers, and referral partners
• Attend office meetings, trainings, networking events, and agent functions
• Deliver consultative mortgage guidance throughout the home-buying process

Generate and grow business organically

• Develop strong referral partnerships with real estate agents
• Help increase mortgage capture within partner offices
• Create and execute business development strategies for office growth
• Build a book of business through relationships, education, and responsiveness

Educate and support agents and clients

• Conduct mortgage education sessions, market updates, and financing workshops
• Guide clients on loan options, affordability, pre-approvals, credit scenarios, and closing timelines
• Structure financing solutions tailored to client goals

Deliver an exceptional borrower experience

• Manage loans from pre-approval through closing
• Communicate proactively with buyers, agents, attorneys, and partners
• Partner with operations teams to ensure smooth, timely closings