Loan Officer - Purchase, Direct Lending Sales
Onity

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
• Engage and collaborate with real estate agents (both network and non-network), including conducting welcome callas and proactive outreach to build and maintain strong referral relationships.
• 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, plus commission and a one time Sign on Bonus!
• 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!

#PHH #Loanofficer #remotejobs

ABOUT US

Onity Group Inc. is a leading non-bank financial services company providing mortgage servicing and originations solutions through its subsidiary, Onity Mortgage, formerly known as PHH Mortgage. Onity Mortgage is one of the largest servicers in the country, focused on delivering a variety of servicing and lending programs to customers, clients and investors.

At Onity, we strive to earn our customers' loyalty every day. We do this by consistently delivering exceptional service and building trust through reliability, integrity, and following through on our commitments. We operate through the lens of the customer, understand the importance of homeownership, and take pride in helping homeowners. Collectively this fosters long-term relationships, ensuring our customers feel valued and supported. We expect all employees to interact with and engage our colleagues and our customers with respect, courtesy and professionalism, and to achieve results consistent with our service delivery standards.

Onity is intensely focused on hiring, developing and retaining the best talent in the industry! Our commitment to inclusion and equal opportunity ensures that we sustain our reputation as an outstanding place to work, a great business partner and a valued community member. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please let us know.

Onity Group Inc. offers a comprehensive benefits package including medical, dental and vision; up to 3% match on 401(k) contributions; generous paid time off; company-paid life, accident and disability coverage; programs for mental, physical and financial wellness; and more. Visit jobs.onitygroup.com for details.

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