Jr. Loan Officer

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 Jr. Loan Officer is responsible for converting inbound premium leads into loans by promoting CrossCountry Mortgage’s competitive mortgage products, services, and programs. This position consults with customers about their current and future needs to help achieve financing needs, collects and reviews all needed supporting loan documentation, and maintains minimum standards for production and quality.

Job Responsibilities:

• Establish a presence for CCM, including but not limited to, 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 but not limited to, meeting with prospects, counseling borrowers, taking mortgage applications by phone.
• Manage personal pipeline to ensure service standards and financial goals are met.
• 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.

Qualifications and Skills:

• Minimum of 2 years 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.
• Experience converting leads and in-bound calls, preferred.
• 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)

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.