Outside Loan Originator

Our Boise‑based branch is growing across Idaho and the broader Northwest, and we are seeking Outside Loan Originators who want to build a scalable, long‑term mortgage business. This opportunity is well‑suited for individuals who prioritize strategy and systems and are focused on growing a sustainable business rather than just a pipeline.

What We Offer:

• Access to major‑lender credibility and product depth, with growth‑focused local leadership.
• Modern technology that streamlines the loan process with faster borrower experience and more efficient workflows.
• Active support with deal structuring, partner strategies, and business planning.
• Broad Conventional, Government, Jumbo, and Non‑QM options to serve more borrowers.

Position Overview:

The Outside Loan Originator is responsible for originating residential mortgage loans and supporting borrowers from application through closing. This role focuses on building and maintaining relationships with Realtors, builders, and other partners.

Job Responsibilities:

• Originate residential mortgage loans.
• Build and maintain Realtor, builder, and partner relationships.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Market CCM products to individuals and firms, promoting CCM services that may meet customers’ needs.
• Leverage technology and local support to grow efficiently.
• Meet with applicants to obtain information for loan applications and answer questions about the process.
• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Generate complete loan applications with corresponding documentation.
• Improve loan applications and documentation by informing the applicant of additional requirements.
• Deliver a high-level borrower experience from application to closing.
• Help customers by answering questions and responding to requests.
• Handle customer complaints and take appropriate action to resolve them.
• Own the communication with the real estate agent or referral source.
• Confer with processing and underwriting to aid in resolving mortgage application problems.
• Maintain job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations.
• Regularly participate in activities in connection with mortgage sales, including but not limited to attend closings, open houses, and/or conduct CCM seminars/trainings and other lead-generating activities.
• Mortgage coaching available.

Qualifications and Skills:

• Active NMLS license.
• Experience proactively soliciting new business.
• Mortgage origination experience, preferred.
• Encompass experience, preferred.
• Knowledge of retail product philosophy, policy, underwriting, procedures, documentation, and systems.
• Knowledge of mortgage products and programs.
• Excellent analytical skills to evaluate credit requests and determine trends in a given marketplace.
• Skilled in working independently, taking initiative, and applying feedback effectively.
• Excellent communication and relationship-building skills.
• Proficient in standardized software applications, including Microsoft Word, Excel, PowerPoint and Outlook.