J-1 Visa Loan Officer Jobs
Loan Officer roles in the United States are accessible to international professionals through the J-1 Trainee or Intern program categories, which require a U.S. Department of State-designated sponsor to issue your DS-2019 and provide sponsorship. Host employers in banking, credit unions, and mortgage lending typically partner with a designated sponsor organization to bring you on as an exchange visitor.
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Get Access To All JobsINTRODUCTION
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
POSITION OVERVIEW
The Mortgage Loan Officer Trainee is a sales-focused role that serves as a career launchpad for individuals pursuing a career in the mortgage industry. Mortgage Loan Officer Trainees gain practical experience with real client scenarios while receiving structured training, mentorship, and licensing support. This role offers ongoing professional development, a clear path for performance-based advancement, and long-term career growth within CrossCountry Mortgage.
WHAT SETS OUR CLEVELAND HQ LOAN OFFICER TRAINING PROGRAM APART:
- Paid training and support from day one, including licensing preparation, systems training, and ongoing guidance.
- Mentorship and direct access to experienced loan officers, processors, and underwriters.
- Clear advancement pathways to roles such as Sales Team Lead, Manager, or Branch Manager.
- Cleveland HQ Advantage: work at CrossCountry Mortgage Corporate Headquarters with access to leadership, top producers, and extensive training resources.
JOB RESPONSIBILITIES
- Handle inbound/outbound leads. Unlimited leads after becoming a licensed Loan Officer.
- Train and study to become a licensed Loan Officer.
- Collaborate with customers, customer service representatives, loan officers, underwriting, and processors.
- Take applications, pull credit, and learn CrossCountry Mortgage's loan origination system (Encompass).
- Develop client retention strategies and follow-up procedures.
- Act as a brand ambassador for CrossCountry Mortgage by promoting the company as a preferred lender.
- Learn and utilize various in-house systems and tools.
QUALIFICATIONS AND SKILLS
- Experience generating or handling leads.
- Call center experience, preferred.
- Knowledge of lead management systems.
- Excellent communication skills.
- Skilled in managing multiple tasks and responsibilities.
- Skilled in setting and pursuing measurable performance goals to achieve targets.
- Skilled in building and maintaining professional relationships through active listening, clear communication, and timely follow-up.
- Proficient in Microsoft Office Suite (Word and Outlook).
This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success!
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com
California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”).
The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.
INTRODUCTION
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
POSITION OVERVIEW
The Mortgage Loan Officer Trainee is a sales-focused role that serves as a career launchpad for individuals pursuing a career in the mortgage industry. Mortgage Loan Officer Trainees gain practical experience with real client scenarios while receiving structured training, mentorship, and licensing support. This role offers ongoing professional development, a clear path for performance-based advancement, and long-term career growth within CrossCountry Mortgage.
WHAT SETS OUR CLEVELAND HQ LOAN OFFICER TRAINING PROGRAM APART:
- Paid training and support from day one, including licensing preparation, systems training, and ongoing guidance.
- Mentorship and direct access to experienced loan officers, processors, and underwriters.
- Clear advancement pathways to roles such as Sales Team Lead, Manager, or Branch Manager.
- Cleveland HQ Advantage: work at CrossCountry Mortgage Corporate Headquarters with access to leadership, top producers, and extensive training resources.
JOB RESPONSIBILITIES
- Handle inbound/outbound leads. Unlimited leads after becoming a licensed Loan Officer.
- Train and study to become a licensed Loan Officer.
- Collaborate with customers, customer service representatives, loan officers, underwriting, and processors.
- Take applications, pull credit, and learn CrossCountry Mortgage's loan origination system (Encompass).
- Develop client retention strategies and follow-up procedures.
- Act as a brand ambassador for CrossCountry Mortgage by promoting the company as a preferred lender.
- Learn and utilize various in-house systems and tools.
QUALIFICATIONS AND SKILLS
- Experience generating or handling leads.
- Call center experience, preferred.
- Knowledge of lead management systems.
- Excellent communication skills.
- Skilled in managing multiple tasks and responsibilities.
- Skilled in setting and pursuing measurable performance goals to achieve targets.
- Skilled in building and maintaining professional relationships through active listening, clear communication, and timely follow-up.
- Proficient in Microsoft Office Suite (Word and Outlook).
This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success!
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com
California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”).
The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.
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Get Access To All JobsTips for Finding J-1 Visa Sponsorship in Loan Officer
Align your credentials to specialty occupation standards
J-1 Trainee eligibility requires a degree in a field related to finance, economics, or banking, plus at least one year of relevant experience abroad. Pull your O*NET profile for Loan Officers to confirm the degree-to-role connection before you approach any host employer.
Target host employers with existing J-1 infrastructure
Community banks, credit unions, and mortgage companies that have hosted J-1 Trainees before already have signed agreements with a designated sponsor. Focusing your search on these employers cuts weeks off the DS-2019 issuance timeline. Use Migrate Mate to filter for roles at J-1-compatible U.S. employers in financial services.
Build a training plan that maps to FDIC-regulated activities
Your designated sponsor requires a detailed Training Plan form before issuing a DS-2019. Loan officers work across underwriting, compliance, and client advisory functions, so document each rotation explicitly. Vague plans citing only "banking experience" are routinely rejected by sponsors.
Confirm the 2-year home residency requirement before accepting an offer
If your home country is on the Exchange Visitor Skills List or your J-1 is government-funded, you face a 2-year home residency requirement before switching to an H-1B or green card. Verify your status with USCIS before committing to a host employer.
Verify host employer E-Verify enrollment before signing
J-1 exchange visitors are authorized to work only for the specific host employer named on the DS-2019. Confirm the host is enrolled in E-Verify and that the work location on your training plan matches where you will physically work, since discrepancies can trigger compliance reviews by your designated sponsor.
Check prevailing wage compliance for your loan officer category
DOL requires that host employers pay J-1 Trainees wages comparable to similarly situated U.S. workers. Run your job title and location through the OFLC Wage Search to confirm the offered rate meets the applicable wage level before your training plan is finalized.
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Find Loan Officer JobsLoan Officer J-1 Visa: Frequently Asked Questions
Which J-1 program category fits a Loan Officer role?
Most Loan Officer exchange visitors enter under the J-1 Trainee category, which is designed for foreign nationals who have a degree in finance, economics, or a related field plus at least one year of post-degree work experience. Current students completing a degree may qualify under the J-1 Intern category instead. The Trainee category allows placements up to 18 months, which is long enough to rotate through underwriting, compliance, and client-facing functions.
Who actually sponsors my J-1 visa as a Loan Officer?
The J-1 visa sponsor is a U.S. Department of State-designated organization, not your employer. Organizations like Cultural Vistas or AIPT issue the DS-2019 form that authorizes your exchange visitor status. The bank, credit union, or mortgage company where you work is the host employer. Your host must sign a training agreement with a designated sponsor before the DS-2019 can be issued in your name.
How do I find U.S. employers open to hosting a J-1 Loan Officer?
Search for Loan Officer roles on Migrate Mate, which surfaces U.S. employers in financial services that align with J-1 exchange visitor sponsorship. Host employers experienced with J-1 placement already have relationships with designated sponsors, making the DS-2019 process faster. Employers that have never hosted a J-1 will need to establish a new sponsor agreement, which adds time to your start date.
Does the J-1 Trainee category have a home residency requirement for Loan Officers?
It depends on your specific situation. If your home country appears on the Exchange Visitor Skills List maintained by the State Department, or if your exchange program is funded by a government entity, you may be subject to a 2-year home residency requirement after your J-1 ends. This requirement blocks you from switching directly to an H-1B or applying for a green card until it is fulfilled or waived. Confirm your status with USCIS before accepting a host employer offer.
What does the J-1 training plan need to include for a Loan Officer placement?
Your designated sponsor requires a completed Training Plan form that maps your time at the host employer to specific learning objectives. For Loan Officers, this typically covers loan origination procedures, credit analysis, compliance with federal lending regulations, and client interaction protocols. Each phase should list the skills you will develop and the supervision arrangement. Vague descriptions that simply state "banking training" are rejected. Your host employer drafts the plan, and the designated sponsor approves it before issuing your DS-2019.
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