Mortgage Loan Originator

Job Description

Job Description

South Florida (Hybrid) | Full Time, Commission-Based

Job Description

Elliman Capital Loan Officers provide 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. This position is ideal for proactive relationship builders who communicate clearly, move with urgency, and uphold exceptional file quality and compliance standards.

Responsibilities

Respond promptly to 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 in accordance 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 every stage

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

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

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

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

Qualifications

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

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

Proficiency with conventional (FNMA / FHLMC) and jumbo products; familiarity with FHA, VA, and Non-QM lending

Strong consultative approach : discovery, scenario design, and clear communication

Excellent organization and time management; able to manage a high-volume, detail-intensive pipeline

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

Preferred Experience

Working knowledge of nCino, Optimal Blue, and Encompass

Established referral network or book of business

Multilingual capabilities

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

Support Provided

Access to a full suite of competitive loan products, including luxury, investment, and specialty financing

Streamlined, technology-driven application process for enhanced borrower experience

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

Hybrid work structure offering flexibility and autonomy

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

Compliance Statement

Elliman Capital is a DBA of Associated Mortgage Bankers, Inc. (NMLS #24794). Licensed by the Florida Office of Financial Regulation, Mortgage Lender License MLD534.

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