Purchase Mortgage Loan Officer, Consumer Direct at Onity in West Palm Beach, Florida

Job Description:

JOB DESCRIPTION




Licensed Purchase Loan Officer - Consumer Direct


As a Purchase Loan Officer at PHH Mortgage, you will be responsible for inbound and outbound calls to existing portfolio customers, offering a range of mortgage products to help them achieve their homeownership goals. This role requires you to build strong relationships with homeowners while meeting individual sales targets, company retention goals, and most importantly, delivering excellent customer service.

At PHH Mortgage, we offer a dynamic, fast-paced environment with a supportive company culture and a large portfolio to back you. Join us to help homeowners achieve their dreams and grow your career!


Who are we looking for?

• Experienced Loan Officers with NMLS Licenses (including UST component)
• Motivated individuals with a sales-driven mindset, capable of thriving in a call center environment
• Customer-focused professionals who enjoy building relationships and guiding homeowners through the purchase process

What we offer our Licensed Loan Officers:

• Competitive base salary paid bi-weekly, plus overtime opportunities
• Monthly commission structure
• Quarterly incentives for top producers
• Comprehensive benefits package (health, life, dental, vision, 401k, PTO)
• Training support to set you up for success
• Access to warm inbound and outbound leads from our extensive portfolio

Key Responsibilities:

• Handle inbound and outbound leads from existing clients to help them secure a purchase mortgage
• Qualify borrowers for purchase loans using automated underwriting systems (DU/LP)
• Provide mortgage options in a single call, assisting clients in choosing the best loan for their needs
• Gather necessary documentation and submit completed mortgage applications for processing
• Set clear expectations with clients from the start of the transaction and provide ongoing communication throughout
• Ensure compliance with all regulatory mortgage guidelines and company policies
• Collaborate with internal operations to maintain clean files and ensure smooth loan closings
• Enter and manage transactions in PHH Mortgage's lead management system
• Provide exceptional customer service to all borrowers, ensuring a positive experience throughout the loan process
• Balance your day between managing inbound leads and following up with clients in your sales pipeline to meet performance standards
• Attend training, sales meetings, and other company events as required
• Stay current with mortgage industry trends and complete required internal training

Qualifications:

• High School Diploma, GED, or military experience equivalent
• Minimum of 1 year of Encompass experience required
• Preferred 2 years of Loan Officer experience, particularly in a call center or phone-based sales role
• Ability to obtain required licensing and continuing education in multiple states (company-sponsored)
• Maintain all necessary federal and state licensing annually (including background and credit checks)
• Strong customer service skills, with the ability to address client concerns effectively
• Professional communication skills
• Proficient in Microsoft Office, particularly Word, Excel, and Outlook
• Must be able to work a shift schedule that includes one evening shift per week and one Saturday per month (4-hour shift, paid overtime)

Salary & Benefits:

• The expected salary range for this position is $42,000 per year, with commission eligibility based on experience and geographic location
• Additional incentives and bonuses available for high-performing individuals

Join us and help homeowners achieve their dreams while growing your career in a rewarding and supportive environment! Apply Now