Mortgage Loan Originator

Job Description

Job Description

New York (Hybrid) | Full Time, Commission-Based

Job Description

Elliman Capital Loan Officers deliver a high-touch, concierge-level mortgage experience supported by a modern digital platform. In this role, the Mortgage Loan Originator will guide clients from initial inquiry through closing, presenting tailored financing solutions and maintaining trusted relationships with real estate partners across the New York market. This position is best suited for proactive relationship builders who communicate clearly, operate with urgency, and maintain exceptional file quality and compliance discipline.

Responsibilities

Engage promptly with leads from pre-qualification forms, online applications, and referral partners

Evaluate borrower goals and present customized financing options across conventional, jumbo, and specialty programs

Structure loan scenarios and lock pricing consistent with underwriting guidelines and client objectives

Collect and review documentation to expedite approvals, setting clear expectations on timelines and conditions

Manage a full pipeline from application through funding with proactive communication at each stage

Collaborate with processors, underwriters, and closers to resolve conditions efficiently

Build and maintain relationships with real estate agents, developers, and past clients to drive referral business

Maintain accurate disclosures, detailed notes, and clean files in LOS and CRM systems

Ensure strict adherence to all state, federal, and NMLS regulatory requirements

Qualifications

Active NMLS license in New York (or ability to obtain promptly); clean regulatory record

Minimum two years of front-end origination experience; luxury and investor market experience preferred

Strong knowledge of FNMA / FHLMC conventional and jumbo programs; familiarity with FHA, VA, and Non-QM lending

Strong consultative and communication skills with client-first focus

Highly organized, detail-oriented, and able to manage a high-volume, deadline-driven pipeline

Tech-proficient and comfortable operating in a digital-first environment

Preferred Experience

Proficiency with nCino , Optimal Blue , and Encompass

Existing referral network or book of business

Multilingual capabilities

Experience with high-balance, second home, and investor financing

Support Provided

Full suite of competitive loan products, including luxury, investment, and specialty programs

Streamlined, technology-driven borrower experience

Integrated referral network through Douglas Elliman Real Estate and other luxury partners

Flexible hybrid work structure

Dedicated marketing, branding, and operational support from an experienced in-house team

Compensation Disclosure (NY Compliance)

This position is commission-based . Annualized earnings typically range from $50,000–$500,000+ , depending on production volume and loan mix.

Compliance Statement

Elliman Capital is a DBA of Associated Mortgage Bankers, Inc. (NMLS #24794) , licensed by the New York State Department of Financial Services .

Employment is at will and contingent upon maintaining active NMLS registration and compliance with the SAFE Act and all applicable federal and state lending regulations.

Elliman Capital is an Equal Opportunity Employer. All employment decisions are made without regard to any protected status under federal, state, or local law.