Mortgage Loan Officer, Consumer Direct

Mortgage Loan Officer, Consumer Direct

Join our team at Carrington Holding Company, LLC in Franklin, TN. As a Consumer Direct Mortgage Loan Officer, you will advise customers on mortgage options and guide them through the mortgage process, whether purchasing a new home or refinancing. Target pay range: $125,000 - $300,000 annually.

• Prospect, connect, and build rapport with customers by making outbound calls to company-sourced leads and taking inbound calls from customer inquiries, customer service agent transfers, and third‑party transfers.
• Guide customers to the best mortgage products available by listening to their needs, answering questions, and collecting all required 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.
• Maintain resilience, determination, and adaptability to changes in the mortgage industry and our customers’ needs.
• Maintain adherence to all applicable laws and regulations regarding mortgage lending.
• Perform other duties as assigned.

• 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.
• Preferred industry‑specific software knowledge (Lead management systems such as Leads 360, DU, LP, Appraisal Management Software).
• Proficiency at or the ability to learn all mortgage origination software and technologies.
• Passion for serving current Carrington Mortgage customers.
• Excellent communication, listening, and interpersonal skills.
• Strong attention to detail.

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 payment.

• 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 you advance your career.
• Employee referral bonuses.
• Educational reimbursement.
• Contributions to the Carrington Charitable Foundation.

Entry level

Full-time

Finance and Sales