Loan Officer, Retail

About the Role

Join our team in our Chandler, AZ office as a Retail Loan Officer, functioning as a Consumer Direct inside sales mortgage originator. You will advise customers on all their mortgage options, guiding them through the mortgage process for both purchases and refinances while adhering to company policies, state, and federal regulations.

The base pay is $15.15/hr plus monthly commission (no draw).

Responsibilities

• Prospect, connect, 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 the best mortgage products by listening to their needs, answering questions, and collecting necessary documents to close a mortgage loan.
• Follow up with customers to ensure high-level, best-in-class service.
• Adhere to all phone, email, and SMS disclosure requirements when interacting with customers.
• Partner with business partners to ensure an expedient and seamless file flow process.
• Maintain resilience, determination, and adaptability to changes in the mortgage industry and customer needs.
• Maintain adherence to all applicable mortgage lending laws and regulations.
• Perform other duties as assigned.

Requirements

• Knowledge of FHA, FNMA, FHLMC, VA, and USDA products.
• Knowledge of purchase and 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.
• Industry-specific software knowledge preferred (e.g., Lead management systems like Leads 360, DU, LP, Appraisal Management Software).
• Proficient at or capable of learning all mortgage origination software and technologies.
• Passionate about serving current Carrington Mortgage customers.
• Excellent communication, listening, and interpersonal skills.
• Strong attention to detail.

About the Company

Carrington Mortgage Services-Retail Lending is part of The Carrington Companies. We offer a wide variety of home purchase and refinance products for government and conventional loan programs, specializing in underserved programs for borrowers with less-than-perfect credit and low down payments.

Benefits

• Full array of mortgage programs.
• Paperless loan file flow and process.
• Aggressive marketing support, including brochures, social media, and CRM.
• Aggressive underwriting: we manually underwrite over 80% of our files.
• Warm, exclusive leads.
• Ability to originate nationally.
• Competitive compensation plan, including a base plus commission.
• Comprehensive healthcare plans for you and your family.
• Discretionary 401(k) match of 50% of the first 4% of pay contributed.
• Access to several fitness, restaurant, retail, and other discounts through our employee portal.
• Customized training programs to help advance your career.
• Employee referral bonuses.
• Educational reimbursement.
• Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates.