Loan Officer II, Retail
About The Position
The Loan Officer II functions as a Consumer Direct inside sales mortgage originator, advising customers about available mortgage options and guiding them through refinance, first-lien mortgage, or home equity mortgage processes. The role is based in the Jacksonville, Florida office and supports customers nationwide. The target pay range is $125,000–$300,000+ annually, with a competitive compensation plan that includes a base salary 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. The role uses warm exclusive leads, paperless loan processing, marketing support, and manual underwriting on more than 80% of files. All duties must be performed in accordance with company policies and procedures and applicable state and federal laws and regulations.
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 the ability to learn them quickly.
- Knowledge of Carrington’s loan origination system, or the ability to learn it quickly.
- Proficiency with mortgage origination software and technologies, or the ability to learn them.
- Excellent communication, listening, and interpersonal skills.
- Passion for serving current Carrington Mortgage customers.
Nice To Haves
- Knowledge of industry-specific software, such as Leads 360 lead management systems, DU, LP, or 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 and transfers.
- Guide customers to appropriate mortgage products by understanding their needs, answering questions, and collecting documents required to close a mortgage loan.
- Follow up with customers to provide a high level of service.
- Comply with phone, email, and SMS disclosure requirements when interacting with customers.
- Partner with business partners to support an expedient and seamless file-flow process.
- 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 employees and their families.
- 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.
- Competitive compensation plan including base pay plus commission.
- Marketing support, including brochures, social media, and CRM.
- Warm exclusive leads.
- Ability to originate nationally.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
