Loan Representative
Loan Officer Job 8 miles from Rock Hill
At OneMain, our Loan Representatives serve as the initial contact for customers with a variety of financial needs. You will help customers assess and identify the appropriate products or services OneMain offers by listening and understanding their financial situation in a call center environment. The position will require strong knowledge of OneMains personal lending products and a high level of motivation to meet or exceed goals. Our work focuses on new and previous customers who are looking for additional financing or insurance options to meet their personal financial needs.
In the Role
Reach out to customers via outbound calls or responding to inbound calls from potential customers
Processing applications for multiple personal lending products.
Implement key strategies to drive growth as well as demonstrating exemplary customer service standards and a high level of energy to exceed goals
Read and understand credit bureau reports and maintain a high level of personal lending product knowledge.
Maintain awareness of company policies and procedures, federal / state laws and providing guidance to other team members to ensure compliance
Actively market and sell OneMain lending products and services and demonstrate strong collaborative skills within a team environment
Requirements
High School Diploma or GED
Sense of urgency in meeting or exceeding application processing goals
Preferred
2 or more years experience in inside sales, customer service, retail, or call center environment.
Basic understanding of credit or personal finance concepts.
Bilingual in Spanish/English a plus.
Work Schedule
Hours of Operation:
Mon- Thurs 8:00 AM-8:00 PM; Fri 8:00 AM-7:00 PM; Sat 8:00 AM-12:00 PM
The schedule is for 40 hours per week within the hours of operation
,
which includes at least one Saturday per month, one late Friday and some extended hours at the end of each month.
Who we Are
OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, weve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.
Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, were committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. Theres never been a better time to shine with OneMain.
Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. Thats why weve packed our comprehensive benefits package for full- and some part-timers with:
Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
Up to 4% matching 401(k)
Employee Stock Purchase Plan (10% share discount)
Tuition reimbursement
Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date)
Paid sick leave as determined by state or local ordinance, prorated based on start date
Paid holidays (7 days per year, based on start date)
By applying, you consent to your information being transmitted by snagajob to the Employer, as data controller, through the Employers data processor SonicJobs.
See OneMain Financial Privacy Policy at ************************************** and SonicJobs Privacy Policy at ******************************************* and Terms of Use at *********************************************
Mortgage Loan Closer - Entry Level
Loan Officer Job 23 miles from Rock Hill
As a Mortgage Loan Closer, you'll directly impact new homebuyers by setting up internal closing controls, managing the closing schedule, and preparing loan documents for closing. Your attention to detail and follow-up skills when reviewing all closing files will make you an asset on our team.
Primary Responsibilities
Prepare initial and final closing disclosures within required timeframe
Prepare and send closing documents timely for closing to buyers and title companies
Initiate funding wires for closings
Review signed packages for completeness prior to shipping
Review files for QC accuracy and clear closing conditions prior to closing
Work with multiple internal partners to meet required timelines
Qualifications
Excellent customer service and oral/written communication skills
Strong organization skills, attention to detail, and ability to multi-task
*No prior experience is required for this opportunity!
Residential Mortgage Loan Officer
Loan Officer Job 25 miles from Rock Hill
C&F Mortgage is currently hiring talented Mortgage Loan Officers (LO) who pro-actively identify, develop and maintain networks of business relationships that serves as a source of referrals for mortgage lending opportunities. External relationships are the foundation of generating new business and may consist of realtors, builders, professional and personal contacts. Our LO's are encouraged to participate in business development related opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their needs and advise those customers about the appropriate products, terms, and pricing, that best fit their needs while gathering any additional required information. It will be necessary to generate accurate and complete applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.
Responsibilities
Assists customers with inquiries and information requests, and resolves inquiries relating to loan products and services offered.
Interviews applicant and requests specific information for loan application and enters data into origination software.
Analyzes the applicant's financial status, credit, and property for the loan to determine feasibility of loan options and loan program requirements.
Compiles loan package and provides the applicant information, such as rates, terms, fees, and other credit terms.
Corresponds with the applicant to resolve questions regarding application information, and requests documentation or information to improve the loan application process.
Ensures loan applications are complete and accurate.
Submits loan application to processor.
Works with applicants to assures timely loan closing.
Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
Devise personal marketing system and annual business plan.
Qualifications
Ideally the person will have 5 to 7 years of mortgage loan origination experience.
Analytical - Collects and researches data; Uses intuition and experience to complement data.
Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs.
Interpersonal - Maintains confidentiality.
Oral Communication - Speaks clearly and persuasively in positive or negative situations.
Team Work - Exhibits objectivity and openness to others' views.
Written Communication - Writes clearly and informatively; Varies writing style to meet needs; Able to read and interpret written information.
Leadership - Exhibits confidence in self and others;
Business Acumen - Aligns work with strategic goals.
Cost Consciousness - Contributes to profits and revenue.
Diversity - Shows respect and sensitivity for cultural differences.
Ethics - Treats people with respect; Upholds organizational values.
Adaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation. Attendance/Punctuality - Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Innovation - Meets challenges with resourcefulness.
Planning/Organizing - Organizes or schedules other people and their tasks.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure.
Quality - Monitors own work to ensure quality and meets productivity standards.
Education:
High school diploma or general education degree (GED)
Certificates and Licenses:
Must have NMLS. Certain states require licensing. Experience in origination/processing of FHA, VA, other government and Conventional loans.
EEO/AA/M/F/Veteran/Disability
Mortgage Loan Officer
Loan Officer Job 23 miles from Rock Hill
About NexGoal: NexGoal is a corporate recruiting firm that places high-quality, competitive, and driven former athletes in careers with our corporate clients. Our Client's Company Profile: Our client is a nationwide mortgage company covering 45 states. Their success is based on their core value--treat people the way you would want to be treated. They set themselves apart from their competitors by offering constant underwriting and sales support and truly listening to employee concerns.
Position Summary: The Mortgage Loan Officer will use their skills to present and sell beneficial financial solutions to clients all over the nation.
Responsibilities:
Overcome client's objections and offer advice and solutions on how to handle their mortgages better
Collect financial data to ensure quality recommendations for loan products
Serve as the 'go-to' resource for borrowers in seeing out their financial goals
Self-source valuable leads for new clientele
Qualifications:
MLS license absolutely required (must be able to provide proof)
No experience required--a great opportunity for new MLOs!
Able to remain competitive and coachable in a fast-paced environment
Must be able to work in a team and independently
Excellent written and verbal communication skills
Note: By submitting your application, you agree to be automatically subscribed to NexGoal's e-newsletter, providing weekly Career Advice articles and Job Board updates. NexGoal will not share your email address with any third parties. You will be free to unsubscribe at any time.
Mortgage Loan Officers & Branch Managers - Charlotte,NC
Loan Officer Job 23 miles from Rock Hill
On The Money Talent is proud to represent a leading mortgage organization headquartered in Georgia, with a 25-year history of unwavering profitability and success. Known for its commitment to borrowers, prudent strategies, and innovative leadership, this organization is positioned for significant growth and invites you to be part of its future.
With a strong focus on marketing as a driving force, this company equips its Loan Originators with state-of-the-art tools and support to stand out in a competitive market.
Why Join This Exceptional Team?
Aggressive Pricing & Products: Offer your borrowers and partners competitive solutions tailored to their needs.
Company Relationships for Originators: Benefit from established relationships passed directly to you for growth opportunities.
Direct Lending Expertise: Operate as a Ginnie Mae, Fannie Mae, Freddie Mac Direct Lender with Seller Servicer/Broker Dealer certifications.
Streamlined Operations: Enjoy the support of on-site underwriting and operations, ensuring efficiency and fast turnarounds.
Exceptional Perks:
$300/month in company expense reimbursements.
Options for a licensed processor (assistant) dedicated to your success.
Professional lifestyle photography to elevate your brand alongside agents.
Opportunity to become a shareholder and invest in your future.
Comprehensive Benefits Package: Includes health, vision, dental, and 401(k).
Who We're Looking For:
We are seeking experienced Loan Originators, Branch Managers, and teams to join this thriving organization throughout Charlotte and the state of North Carolina.
Qualifications:
3-5 years of mortgage sales experience, with a proven track record of originating conventional and government real estate mortgage loans.
If you're ready to take your lending career to the next level with one of the most respected lenders in the Southeast, we want to hear from you!
Apply today to join a company that's revolutionizing the mortgage industry and setting a standard for success.
Mortgage Loan Officer - Charlotte, NC
Loan Officer Job 23 miles from Rock Hill
As a Mortgage Loan Officer, you may look forward to:
Providing service to applicants and prospective customers seeking a home loan, including interviewing, pre-qualification and pre-approval.
Completing application and gathering supporting documentation.
Reviewing and completing regulatory disclosures with customer.
Maintaining existing and generating new sources of referral business.
Quoting interest rates and securing pricing through the Secondary Marketing Department on behalf of the Customer.
Collecting required application fees.
Inputting application data into Loan Origination Software (LOS).
Utilizing automated underwriting systems (AUS) to obtain credit recommendations.
Communicating with customers, both internal and external, regarding the status of the loan and relaying information to all interested parties.
Communicating with all parties in a professional and courteous manner.
Managing his/her pipeline of loans to verify accuracy of the current loan status.
Acknowledging and abiding by TowneBank Mortgage Policies and Procedures.
Mentoring other Loan Officers.
Relaying to Senior Management any industry changes or trends that may be of interest to them.
Participating in Towne Bank, TowneBank Mortgage, and area association events.
Actively participating in all aspects of the Real Estate Office sales meetings and office functions:
Preparing Mortgage Minutes for presentation at each sales meeting.
Providing on-going training for the real estate agents (lunch and learns).
Working closely with the Broker/Sales Manager
Attending Loan Officer Meetings.
Representing the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
Obeying all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
You are a person that (required skills):
Has a valid NMLS number.
Has at least 1-year experience originating VA, FHA, Conventional and VHDA loans.
Has a proven sales record based on closed loan production.
Currently possess sources of referral business for purchase transactions.
Has a High School Diploma or equivalent.
Has an awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.
You'll be better prepared if you have (desired skills):
Working knowledge of Microsoft Office products.
Working knowledge of Encompass software.
Physically you can anticipate to:
Express or exchange ideas by means of the spoken word via email and verbally
Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
Not substantially exposed to adverse environmental conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.
#tbm
#mortgage
Mortgage Loan Officer in North Carolina
Loan Officer Job 23 miles from Rock Hill
Join Morty as a mortgage loan officer in North Carolina. Leverage our innovative mortgage technology, extensive lender marketplace, extremely competitive mortgage rates in North Carolina and dedicated closing team to advance your career and achieve success.
Are you a smart, resourceful, and self-sufficient individual? We're actively seeking talented candidates based in North Carolina to join our platform as Mortgage Loan Officers. Our ideal team members are passionate about cultivating a robust mortgage business portfolio while enjoying the flexibility of setting their own pace. Successful Mortgage Loan Officers at Morty possess a deep understanding of mortgage products, exceptional communication skills, and a proven ability to forge strong relationships. Your role will involve close collaboration with homebuyers, providing expert guidance on mortgage options, and overseeing loan origination.
IIf you're not licensed, but have been thinking about becoming an MLO, our Blueprint program is likely a better fit. You can also check out our step by step guide to getting licensed in North Carolina!
This is a great opportunity to build on your existing sales experience and level up with new tools and support.
Your Responsibilities
Build your own book of business - Leverage Morty's platform and marketplace to establish, grow, and service an ongoing pipeline of new customers and referrals. You can purchase leads through Morty to help build your business.
Establish a local presence - Build and maintain a local presence on the ground in a key market or markets of your choice, acting as Morty's go-to “in-market” expert in the area.
Own all communications for your customers - Ensure clients get the advice they need to successfully navigate the home financing process, building trust and working closely with our centralized closing team to ensure transactions go smoothly.
Serve as an expert on loan options - Work with customers to make recommendations based on their specific situations; you'll need to be able to clearly articulate Morty's value propositions to customers who don't yet know us.
Qualification Required
An approved mortgage license
Willingness to hit the road to build up a book of mortgage business.
Strong communication skills, both written and verbal.
Compensation
Earn 75bps - 200bps per closed loan depending on your experience and preferences.
This a commission only role.
This position requires you to pay a platform fee to cover the cost of technology, marketing, and HR services.
Loan Officer
Loan Officer Job 35 miles from Rock Hill
We are in search of a competent Loan Officer to be a part of our Loans Department. Your primary role will be to evaluate, authorize the approval or deny the loan application for businesses or entrepreneurs.
As a Loan Officer, you will be acting as a liaison between our financial institution and our clients. You will help qualified applicants obtain loans in a timely and hassle-free manner. You should possess amazing communication skills to explain the loan application process to the desired applicants in a simple way. You should be prompt at answering questions and solving their queries.
You should be reliable when it comes to evaluating the credit values and interviewing the loan applicants. If you think you have the required knowledge and desired experience, you can send in your applications to us. Avail this incredible opportunity to boost your career prospects as a Loan Officer.
Responsibilities
Research and evaluate the financial status of the person applying for a loan.
Evaluate the credit value by processing the loan applications and documents within particular limits.
Interview the loan applicants to determine their financial eligibility and prepare the feasibility report for granting loans.
Determine all applicable metrics and ratios and set up debt payment plans.
Communicate with the clients to provide information and to forward their loan requests.
Approve loans for eligible applicants and reject the ones who are not eligible. Justify the approvals/rejection decisions by filing reports about the same.
Complete loan agreements and counsel clients on limitations and policies.
Have an excellent understanding of the different types of loans and other financial services.
Maintain and update loan files and accounts records.
Requirements
Bachelors' degree in Economics, Finance or a related field.
Proven work experience as a Loan Officer or in Finance Industry.
Excellent knowledge of computers and banking programs/applications.
Outstanding interpersonal and communication skills.
Excellent Sales and Marketing skills will be an added advantage.
Sound understanding of direct and indirect lending practices and products.
Excellent knowledge of the current affairs of the real estate industry.
Outstanding customer service skills.
Exceptional time management skills.
Bilingual Consumer Loan Originator
Loan Officer Job In Rock Hill, SC
This is a high producing sales position responsible for assisting members and potential members in a professional, friendly, courteous, and efficient manner. Gather information for loan requests, complete proper documents, and accurately process system input. Consult with members to identify and cross offer products and services that meet their financial needs.
Essential Functions and Responsibilities:
Effectively manage relevant Consumer Loan Originator queues to process applications in a timely and thorough manner following established priority guidelines.
Expeditiously serve members in a courteous and professional manner while providing prompt, efficient, and accurate service.
Process all consumer and real estate application types. Accurately input member information in the consumer loan application.
Effectively and efficiently interview loan applicants to obtain information concerning their loan needs, earnings, and financial condition. Clearly communicate the loan request details to the Consumer Loan Underwriter and/or Consumer Loan Funder as needed.
Provide members with updates to loan application status as relevant. Ability to effectively communicate to members when additional loan documentation is required.
Effectively communicate the loan decision to the member. When applicable, advise the member how to improve their credit score for future requests.
Confidently assess member needs and match ancillary products and/or services to those needs. Educate and promote credit union products and services based on needs that are determined during the interview.
Leads in reaching credit union loan, ancillary product, and insurance goals.
Assists in training and cross training other employees
Effectively initiates contact with members and perspective members through referral queues, call lists, leads, etc.
Maintain in-depth knowledge of products and services, changes in regulations and internal policies and procedures specifically related to job.
Accurately document all loan requests, as required by credit union policy and federal regulations
Assist with Member Service duties as needed.
Understand and comply with credit union policy, laws, regulations, and the credit union's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious member and/or account activity.
Perform all other duties as assigned.
Knowledge and Skills:
Experience: Six months to two years of similar or related experience.
Education: A high school education or GED. Completion of internal lending class or Consumer Lending School are preferred; however, three to four years related work experience may be considered.
Interpersonal Skills A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary
Other Skills:
Good working knowledge of credit union policies, procedures, products and services, loan underwriting and credit analysis, federal regulations, audit and security procedures, and our data processing system.
Proficient in computer and electronic delivery systems.
Ability to effectively multi-task.
Ability to cross-sell products and services to the member, as appropriate, to meet their financial needs.
Ability to work well with others in a high volume, fast paced, work environment
Self-starter.
Effective skills for team building, managing and motivating people, and the ability to develop employees by training, coaching, and mentoring. Other skills include research and analysis, good written and oral communication skills, and the ability to assist in the coordination of daily branch operations.
Physical Requirements: Ability to lift up to 30 pounds
This Job Description is not a complete statement of all duties and responsibilities comprising the position. Duties, responsibilities and activities may change, or new ones may be assigned at any time with or without notice.
Mortgage Loan Officer
Loan Officer Job In Rock Hill, SC
Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans. Examines, evaluates, and recommends approval of loan package. Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.
The majority of time worked is spent out of banking offices.
Essential Duties and Responsibilities
(Other duties may be assigned.)
Demonstrate knowledge of Bank mortgage loan products and services.
Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.
Demonstrate familiarity with underwriting guidelines with all of the Bank's investors and programs.
Support the Bank's CRA and Fair Lending initiatives.
Interview loan applicants and request required information for determining a credit decision.
Compile loan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other credit terms.
Conduct credit analysis to support granting loan approval within guidelines from approving officer and/or outsourced investor guidelines.
Identify and analyze potential loan markets to develop mortgage loan prospects.
Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
Assume ownership of customer problems to achieve resolution.
Serve as primary contact in responding to customer and non-customer inquiries relative to mortgage loan products, rates, procedures, etc.
Engage in marketing efforts with realtors, builders and others to obtain new business. Efforts include but are not limited to realtor open house luncheons, meeting with customers after hours, and calling and/or meeting potential customers during evening hours and on weekends per realtor request.
Qualifications
Bachelor's degree, or at least 3 years of related experience, or an equivalent combination of education and experience.
Effective oral and written communication skills.
Effective interviewing skills.
Ability to speak effectively before groups.
Ability to compute basic to moderately complex math calculations.
Basic problem-solving and analytical skills. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Proficiency in using personal computers and office products (e.g., Word, Excel).
Excellent customer service and interpersonal skills.
Ability to work independently.
Self-starter who is goal- and results-oriented.
Certificates, Licenses, Registrations
Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.
FIRST COMMUNITY BANK (SC) is an EEO employer - M/F/Vets/Disabled View all jobs at this company
Loan Officer
Loan Officer Job In Rock Hill, SC
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Outside Loan Originator
Loan Officer Job 39 miles from Rock Hill
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 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 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 offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: **********************************
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 ***************************
Mortgage Loan Officer | Sage Home Loans
Loan Officer Job 23 miles from Rock Hill
Sage Home Loans Corporation is seeking a licensed Mortgage Loan Officer (MLO). This position is responsible for communicating pricing terms and handling consumer escalations during the mortgage process. As a MLO, you will serve as a trusted advisor to our clients and assist with the appropriate decision of mortgage refinance or purchase while providing an exceptional client experience.
As an employee of Sage Home Loans, you will be part of a company unlike any other in the mortgage space! Our proactive lead generation and sales process will drive your success as the MLO in the loan process. Enjoy an energetic and friendly company culture that provides amazing resources to welcome you and to help balance your day.
You must be currently NMLS licensed to be considered for this position. This role is required to operate out of our south Charlotte, NC area office on a hybrid schedule (Tuesday through Thursday in office) or remotely if not in the Charlotte region.
What You'll Do:
Answer customer calls to discuss various loan products and qualification information.
Communicate progress of loan to consumer and obtain any required documentation.
Make sales calls on potential or existing customers to develop new business or retain existing business.
Monitor and influence progress across a pipeline of leads and loans to achieve conversion and cycle time targets.
What We're Looking For:
At least 3 years of mortgage sales experience
Experience in mortgage loan origination, must be NMLS Licensed.
Proven history of success in Sales and/or Sales Management.
Full understanding of all mortgage product types (FHA, VA, Conventional).
Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, RESPA, and TILA.
Strong phone sales skills.
Must be able to multi-task competing priorities and meet tight deadlines.
Must be able to build and maintain internal and external relationships to deliver high levels of service.
Compensation
Cash Compensation Range: As a full-time employee, you will be eligible for a competitive hourly wage plus incentives and our benefits package. Mortgage Loan Originator pay is around $35,000 per year depending on experience. Compensation is comprised of $16 per hour base pay plus production incentives paid on a monthly basis.
*Note actual salary is based on geographic location, qualifications, and experience.
Additionally, the following benefits are provided by Red Ventures, subject to eligibility requirements.
Health Insurance Coverage (medical, dental, and vision)
Life Insurance
Short and Long-Term Disability Insurance
Flexible Spending Accounts
Paid Time Off
Holiday Pay
401(k) with match
Employee Assistance Program
Paid Parental Bonding Benefit Program
Who We Are:
Sage Home Loans Corporation is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.
Red Ventures, the parent company of Sage Home Loans, was founded in 2000. Red Ventures is a portfolio of growing digital businesses that bring consumers and brands together through integrated e-commerce, strategic partnerships and many proprietary brands including Bankrate, AllConnect.com and Reviews.com. Headquartered south of Charlotte, NC, Red Ventures has over 3000 employees in offices across the US, as well as London and Sao Paulo. For more information, visit *********************** and follow @RedVentures on social platforms.
We offer competitive salaries and a comprehensive benefits program for full-time employees, including medical, dental and vision coverage, paid time off, life insurance, disability coverage, employee assistance program, 401(k) plan and a paid parental leave program.
Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a person's merit and qualifications.
We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process, please contact accommodation@redventures.com.
If you are based in California, we encourage you to read this important information for California residents linked here.
#LI-SA1
Outside Loan Originator
Loan Officer Job 39 miles from Rock Hill
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 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 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 offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: **********************************
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 ***************************
Charlotte, NC - Mortgage Loan Originator
Loan Officer Job 23 miles from Rock Hill
FBC is hiring seasoned Mortgage Loan Originators in our Charlotte, NC branch!
Job Requirements:
Successful Mortgage Loan Originators will proactively identify, develop and maintain a quality network of business relationships that will serve as a source of referrals for new mortgage lending opportunities. The external relationships fostered may consist of realtors, builders, professional and personal contacts. Successful Loan Originators participate in business related development opportunities, community efforts to promote home ownership and professional organizations. The Loan Originator is responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.
3+ years of retail residential mortgage origination experience
Documented residential mortgage loans closed volume in the past 12 months of $750,000 - $1 million per month in production
Established relationships with local referral networks
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Proficient in product guidelines for Conventional, FHA, and VA loans
Strong PC skills and experience utilizing laptop technology
Must meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and maintain active NMLS licensure
What We Offer:
Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry
Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners
Local Underwriting, Processing, Closing, and Sales Support
Ability to grow client and referral partner base
Access to the Underwriters when needed
Portfolio Lending and Construction Lending with the ability to broker out if needed
Support to build long term client and referral partners relationships
Competitive and flexible compensation plans to fit multiple business models
FNMA Direct Seller/Servicer
Extensive Loan Product Options to offer your clients
Industry Leading Technology with Paperless Workflow Systems
Marketing Department to support you through customized campaigns directed at your specific target markets.
Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts
Corporate Trainer for the Encompass Loan Origination System
Company and Division Overview:
FBC Mortgage, LLC is a National Mortgage Lender headquartered in Orlando, Florida. FBC Mortgage focuses on providing its customers and business partners with industry best services. “At FBC our vision is simple, to become a Top 10 Mortgage Banker by focusing on providing extraordinary customer service, a great work environment, and a team atmosphere. We will implement best in industry systems, produce high quality loans and always be mindful doing it better than the competition.
FBC Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace
Senior Loan Officer Exempt
Loan Officer Job 23 miles from Rock Hill
The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.
Originates their own sales by contacting prospective clients,
Develops and maintains referral sources,
Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans,
Meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations,
Meets with clients in person to sell mortgage loan products/packages,
Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts,
Obtains credit information and necessary documentation for application process,
In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads,
Engages in marketing and promotional activities in support of their own sales,
Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions
Carries out major assignments affecting business operations of the employer or the employer's customers through:
collecting and analyzing information regarding the customer's income, assets, investments, or debts
analyzing applicant data, credit and collateral property value
determining which financial products best meet the customer's needs and financial circumstances
providing advice to the customer regarding the advantages and disadvantages of available financial products
marketing, servicing, or promoting the employer's financial products
Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
Provides origination services in the state of licensure
Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings
Qualifications
A minimum of two (2) years of sales experience in the mortgage industry
Familiarity with mortgage processes, procedures, rules, regulations, and compliance
Exceptional customer service skills with a strong attention to detail
Excellent written and verbal communication skills
Strong computer skills to include a working knowledge of MS Office
Ability to comprehend and analyze financial information
Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
Established contact and referral list within the real estate and mortgage industries preferred
Ability to pass a required background check
Company Conformance Statement
In the performance of assigned tasks and duties all employees are expected to conform to the following:
Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.
Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
Ensure every action and decision is aligned with PRMI values.
Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.
Realize team synergies through networking and partnerships across PRMI.
Embrace change; act as advocate and role model, promoting an approach of continuous improvement.
Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
Work effectively as a team contributor on all assignments.
Perform quality work within deadlines.
Respect client and employee privacy.
Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the quarterly certification process
Work Requirements
Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. To maintain and ensure secure privacy of borrower (and other protected) information, an essential function of this job may require physical attendance in a defined office space. (i.e. branch or corporate office location). Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.
External Mortgage Loan Originator
Loan Officer Job In Rock Hill, SC
Job Details Rock Hill, SC Full Time High School Road Warrior SalesDescription
AnnieMac Home Mortgage is looking to hire Full Time
External Mortgage Loan Originators
to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry. Under the direct supervision of the Branch Manager, the job responsibilities of the
External Mortgage Loan Originator
position include, but are not limited to, the following:
Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.
Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
Take information from the borrower and fill out the loan application.
Develop relationships with referral partners such as realtors to generate new customers.
Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;
Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
Counsel and advise the borrower in understanding and clearing credit problems.
Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
Order legal documents.
Review HUDS prior to closing.
Qualifications
Must have appropriate state license or certificate (varies by state).
Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)
Must have excellent communication skills and the ability to analyze financial information.
Must be a sales-oriented self-starter.
Work Environment/Physical Demands: Travel is required 80% of the time.
***AnnieMac Home Mortgage is an Equal Opportunity Employer
***
Loan Specialist
Loan Officer Job 25 miles from Rock Hill
Are you ready to take your career to the next level? Regional strives to positively impact the financial lives of our customers.
For over 35 years, our Team Members have been passionate about supporting customers through their financial challenges in life. They take pleasure in finding solutions and lending a helping hand, both to our customers and our communities. As we continue to grow and become a national brand in consumer financing, we hope you'll consider us for future career opportunities.
If you are looking to make a meaningful impact in people's lives by bringing a personal touch to finances, join our team today!
Regional Finance is hiring! We are looking for talented and driven individuals to join our team. Take the next step in your career and click that apply button!
Job Intro
The core of a Loan Specialist is being customer oriented. If you are interested in helping others in their time of need, then this is the career you have been looking for!
Why work at Regional?
Regional offers competitive pay! We do our best to show that we value our team members!
You are eligible for a monthly bonus. Who doesn't love a nice cash reward for their hard work?
You will have promotion opportunities. We love to train our Loan Specialists into future Branch Managers!
All full-time team members have access to our medical, dental, vision and 401(k) benefits!
Pays an average of $41,000, this amount can vary based on your location and cost of living adjustments!
Duties and responsibilities
Provide exceptional service to all customers.
Process credit loan applications and use product knowledge to present loan solutions to current and potential customers.
Maintain office cash with accuracy and proper security.
Grow account volume through good judgment and effective customer solicitations in the branch and by telephone.
Minimize delinquent debt through calling customers and collecting on past-due accounts.
Receive, track, and post all payments and fees to customer accounts in compliance with Company Policy.
Transport money and deposits to and from bank.
Other duties as assigned by leadership.
Minimum Qualifications
High School Diploma or Equivalent.
Prior customer service experience in either a sales/retail environment or cash management environment.
Must pass drug screen, criminal and credit background checks.
Valid Driver's License and access to a dependable automobile with liability insurance coverage.
Critical Competencies
Demonstrated passion for customer service.
Excellent written and verbal communication skills.
Customer service minded with a personality that relates well with a broad spectrum of people, including external customers, branch colleagues, and corporate co-workers.
Thrives in a pay for performance atmosphere.
Proven ability to multi-task.
High degree of integrity.
Sales mentality.
Adaptable to an ever-changing environment.
Working conditions
This position works in an office providing consumer loan products in person and over the phone. The typical working hours are 8:30am to 5:30pm Monday through Friday with some Saturdays required. Overtime may be required on an as needed basis and is at the discretion of upper management.
If you are a job applicant who resides in the state of California, please review our California Employee Privacy Policy at the following link: **************************************************************************************************
#RGNL
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (“Protected Characteristics”). Regional's policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.
Consumer Loan Originator
Loan Officer Job In Rock Hill, SC
This is a high producing sales position responsible for assisting members and potential members in a professional, friendly, courteous, and efficient manner. Gather information for loan requests, complete proper documents, and accurately process system input. Consult with members to identify and cross offer products and services that meet their financial needs.
Essential Functions and Responsibilities:
Effectively manage relevant Consumer Loan Originator queues to process applications in a timely and thorough manner following established priority guidelines.
Expeditiously serve members in a courteous and professional manner while providing prompt, efficient, and accurate service.
Process all consumer and real estate application types. Accurately input member information in the consumer loan application.
Effectively and efficiently interview loan applicants to obtain information concerning their loan needs, earnings, and financial condition. Clearly communicate the loan request details to the Consumer Loan Underwriter and/or Consumer Loan Funder as needed.
Provide members with updates to loan application status as relevant. Ability to effectively communicate to members when additional loan documentation is required.
Effectively communicate the loan decision to the member. When applicable, advise the member how to improve their credit score for future requests.
Confidently assess member needs and match ancillary products and/or services to those needs. Educate and promote credit union products and services based on needs that are determined during the interview.
Leads in reaching credit union loan, ancillary product, and insurance goals.
Assists in training and cross training other employees
Effectively initiates contact with members and perspective members through referral queues, call lists, leads, etc.
Maintain in-depth knowledge of products and services, changes in regulations and internal policies and procedures specifically related to job.
Accurately document all loan requests, as required by credit union policy and federal regulations
Assist with Member Service duties as needed.
Understand and comply with credit union policy, laws, regulations, and the credit union's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious member and/or account activity.
Perform all other duties as assigned.
Knowledge and Skills:
Experience: Six months to two years of similar or related experience.
Education: A high school education or GED. Completion of internal lending class or Consumer Lending School are preferred; however, three to four years related work experience may be considered.
Interpersonal Skills A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary
Other Skills:
Good working knowledge of credit union policies, procedures, products and services, loan underwriting and credit analysis, federal regulations, audit and security procedures, and our data processing system.
Proficient in computer and electronic delivery systems.
Ability to effectively multi-task.
Ability to cross-sell products and services to the member, as appropriate, to meet their financial needs.
Ability to work well with others in a high volume, fast paced, work environment
Self-starter.
Effective skills for team building, managing and motivating people, and the ability to develop employees by training, coaching, and mentoring. Other skills include research and analysis, good written and oral communication skills, and the ability to assist in the coordination of daily branch operations.
Physical Requirements: Ability to lift up to 30 pounds
This Job Description is not a complete statement of all duties and responsibilities comprising the position. Duties, responsibilities and activities may change, or new ones may be assigned at any time with or without notice.
Outside Loan Originator
Loan Officer Job 39 miles from Rock Hill
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 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 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 offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: **********************************
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 ***************************