Mortgage Loan Officer

About This Role

This role is responsible for generating and converting leads into funded loans by promoting the company's competitive mortgage products, services, and programs. It involves proactively developing new business opportunities, consulting with customers about their financing needs, and maintaining production and quality standards.

Responsibilities

• Establish a presence for CCM, including 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 meeting with prospects, counseling borrowers, and taking mortgage applications by phone
• Manage personal pipeline to ensure service standards and financial goals are met
• Actively develop and nurture referral relationships to drive sustained business growth and enhance lead generation efforts
• Participate in office-sponsored training and networking events to support referral source engagement
• 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
• Be available to work varying hours and overtime if needed

Requirements

• 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
• NMLS License under the terms of the S.A.F.E. Act of 2008 ("SAFE Act")
• State License under the terms of the SAFE Act
• Excellent analytical skills
• Excellent communication and collaboration skills
• Proficiency in standardized software applications, including Microsoft Office Suite (i.e. Word, Excel, PowerPoint and Outlook)

Nice to have:

• Experience converting leads and in-bound calls

Benefits

• Competitive compensation plan
• Robust benefits package, including medical, dental, vision, as well as a 401K
• Company-provided short-term disability
• Employee assistance program
• Wellness program

About the Company

Cross Country Mortgage (CCM) is a 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. The company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for its standout culture.