Loan Officer II, Retail

Carrington Mortgage • Chandler, AZ

11d • Onsite

About The Position

The Loan Officer II functions as a Consumer Direct inside sales mortgage originator, advising customers about their mortgage options and guiding them through the refinance, first-lien mortgage, or home equity mortgage process. The role is based in the Chandler, Arizona office and requires compliance with company policies and procedures, as well as applicable U.S. state and federal laws and regulations. The target annual pay range is $125,000–$300,000+ and compensation includes a base plus commission.

Carrington Mortgage Services-Retail Lending offers home purchase and refinance products for government and conventional loan programs, with a focus on underserved programs for borrowers with less-than-perfect credit and low down payments. Team support includes a full array of mortgage programs, paperless loan-file processes, marketing support, manual underwriting for over 80% of files, warm exclusive leads, and the ability to originate nationally.

Requirements

• Knowledge of FHA, FNMA, FHLMC, VA, USDA, HELOAN, and HELOC products.
• Knowledge of refinance transactions.
• Knowledge of Carrington’s underwriting guidelines and investor requirements, or ability to learn quickly.
• Knowledge of Carrington’s loan origination system, or ability to learn quickly.
• Proficiency in, or ability to learn, mortgage origination software and technologies.
• Excellent communication, listening, and interpersonal skills.
• Passion for serving current Carrington Mortgage customers.

Nice To Haves

• Industry-specific software knowledge, such as Lead management systems (Leads 360), DU, LP, and appraisal management software.

Responsibilities

• Prospect, connect with, and build rapport with customers through outbound calls to company-sourced leads and inbound calls from customer inquiries, Customer Service agent transfers, and third-party transfers.
• Guide customers to suitable mortgage products by listening to their needs, answering questions, and collecting documents needed to close a mortgage loan.
• Follow up with customers to provide a high level of service.
• Follow phone, email, and SMS disclosure requirements when interacting with customers.
• Partner with business partners to support expedient, seamless file flow.
• Adapt to changes in the mortgage industry and customers’ needs while maintaining resilience and determination.
• Comply with applicable mortgage lending laws and regulations.
• Perform other duties as assigned.

Benefits

• Comprehensive healthcare plans for the employee and family.
• Discretionary 401(k) match of 50% of the first 4% of pay contributed.
• Fitness, restaurant, retail, and other discounts through the employee portal.
• Customized training programs to support career advancement.
• Employee referral bonuses.
• Educational reimbursement.
• Carrington Charitable Foundation community contributions and fundraising support.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed