Razor Mortgage LLC
Employment Opportunities
Step 1

Read about our company and visions below, then review our open career opportunities using the hyperlinks at the bottom of the page.

Secrets of our Success

Vision:

Provide the absolutely best service to our clients in making the home mortgage process as easy as possible while continuing our growth in a well controlled environment.

Goals:

1. Build a company that can sustain its operations financially, provide resources for reinvestment for future growth and profits for its members.
2. Provide an educational, challenging and financially rewarding employment opportunity for its employees.
3. Perform services, conduct publicity, client marketing and client relations so that the business is not dependent on any one income stream. 
4. Provide a well balanced lifestyle for all employees which includes flexible schedules, fair compensation and most importantly a work & home life balance.
5. Choose clients that provide an opportunity for success and have the capacity to pay a fair price for services rendered.

History:

The company was founded in 2005 by Jacques E. Laubert. After selling his previous mortgage company, and investment properties in New York Jacques made the decision to form a mortgage company that would be the very best in the mortgage business.  December of 2007 marked our return to the Greater Binghamton Region with the opening of an office in Johnson City right across from the Oakdale Mall.  The growth of the company is under a controlled growth plan, meaning that we wish to maximize our personal one on one relationships with our clients while not becoming a "boiler room" of mortgage products and rates.

Facts:

• Registered Mortgage Broker New York State Banking Department
• Authorized FHA Mini-Eagle (Loan Correspondent)
• Authorized VA Mortgagee
• Over 15 banks with whom we have correspondent relationships
• As a full service mortgage broker with all of the above and specialty products such as the FHA-203K mortgage and Reverse Mortgages, we can offer our clients a wealth of options in order to accomplish their goals of home ownership.
• Recognized for quality, creativity and enthusiastic staff.

Pledge:

• Maintain the highest standard of personal conduct.
• Maintain loyalty to the clients that employ us, and pursue their objectives in ways that are consistent with their interest
• Recognize and discharge company responsibilities.
• Strive for excellence in all aspects of management.
• Use only legal and ethical means in all activities.
• Serve all clients equally and impartially, provide no special privileges to any individual and accept no personal compensation or gifts from a client or any other persons involved either directly or indirectly in the transaction.
• Maintain the confidentiality of privileged information entrusted to Razor Mortgage LLC
• Refuse to discriminate on the basis of race, sex, age, religion, national origin, sexual orientation, disability or location of the property.
• Always communicate to all parties in a transaction so that all statements are truthful and accurate by assuring that there is integrity in the data and information.
• Cooperate in every reasonable and proper way with other professionals while maintaining our clients confidentiality.
• Use every opportunity to improve public understanding of Mortgage Brokers and their vital role in home ownership across America.

Educational Opportunities:

For everyone working at Razor, educational opportunities abound. In addition to daily learning and job enhancement, formal education is available from a variety of sources. The primary conduits are the National Association of Mortgage Brokers, Virginia Association of Mortgage Brokers, and the various banks with whom we have wholesale relationships. From monthly meetings to annual seminars, the company encourages personal growth.

As employees mature in the company, they gain opportunities for travel and attendance at national meetings. In addition, the company supports personal growth by offering partial tuition for certification programs directly related to Mortgage Lending.

Learning is also encouraged as employees cross-over to learn the responsibilities of other staff members within the company. This makes the company stronger and teaches a broader range of responsibilities and skills to everyone at Razor Mortgage LLC.

Targeted Marketing:

The company uses it reputation for quality and talented staff to market the company.  Targeted markets currently include:

• Realtors   
• On line search engines including Google, Yahoo, MSN, Superpages, etc.
• First Time Home Buyers
• Veterans
• Fix and Flip (investors)
• Debt consolidation prospects using their home equity
• Reverse Mortgages to those over 62
• CPA's
• Insurance Agents
• Our own state of the art web site

Benefits:

Razor Mortgage LLC offers an expansive package of employee benefits, including:

Resources:

Razor Mortgage LLC and its employees increase their value because of the extensive network of resources that has been developed. These are just a few of the resources available to everyone in the company.

• Huge library of marketing training resources consisting of 100's hours of recorded seminars, manuals, reference samples of ideas as well as traditional manuals.
• Proprietary materials developed over years of research and testing that generate quality and qualified leads.
• Manuals, systems and reference documents created including scripts, templates, manuals and reference samples.
• Network of high quality suppliers to assist in job performance and meeting goals.
• Library of underwriting and sales guides
• Membership in professional associations and the resulting benefits and services.

Management Style & Culture:

This will not be like any place you have ever worked before. Our culture is made up of two completely conflicting management styles.

Total Quality Management is applicable to the management style at Razor Mortgage LLC, as it seeks to offer high quality services to clients. The four components of TQM include: 1) assess client needs and expectations; 2) set standards of quality and workmanship for the staff; 3) empower staff to deliver service standards matching the quality; and 4) re-evaluate and make corrections as necessary.

Project autonomy is provided as an individual demonstrates they can successfully accomplish unsupervised tasks. We try to start everyone on the easy stuff, this is to build a comfort level and avoid feeling drowned, at least early. Then as client familiarity grows along with project understanding everyone is left to manage their own work, priorities and projects. This does allow for failures, which is exactly what TQM tries to prevent. However, the autonomy creates self esteem and employees that are much happier creating their own work environment.

Mistakes will happen. They are a fact of life. Mistakes are divided into 2 categories. Those that are noticed by clients/transactional partners and those that are noticed by each other.

We are all here to fulfill our clients’ perception of perfect service. If a client/transactional partner perceives that our services are not perfect, that is a big deal and must be remedied aggressively and quickly.

Mistakes that are noticeable only to each other are the most common. Those are learning experiences that teach all of us where we need to be more careful in the future. They are encouraged and welcome opportunities to ensure perfect client perceptions.

All client complaints or requests are studied for latent needs. It is through these comments that many new successful projects are created.

Career Advancement:

Whenever possible we promote from within. Our company provides a many unique opportunities.

Compensation corresponds to position and responsibilities. Razor Mortgage LLC prides itself on an exceptional benefits package and equitable financial compensation. In nearly all positions, the compensation package is directly related to the quantity and quality of work (i.e. -closed loans, revenue goals, client satisfaction) and other employment market factors.

Staff

The staff at Razor Mortgage LLC form the greatest resource of the company. Our primary goal is a company that offers a pleasant environment and opportunities for all the members of the staff.

Families

The families of the staff are an important part of the company as individuals grow and have requirements that include their personal and family needs. Considerations are given for family priorities and needs.

Clients

The primary purpose of the company is to offer mortgage services to clients throughout Virginia & New York.

Clients & Their Transaction Partners

Clients are the main reason we exist. Serving the Clients by offering quality service and effectively communication to the transaction partners involved in each transaction ie. Realtors, Closing Agents, Seller Realtor etc. is of the utmost importance.

Government Regulators

Razor Mortgage LLCstrictly adheres to all Local, State & Federal laws, rules and regulations as well as any rules and regulations promulgated by our whole banking relationships. We hold ourselves to the highest standards of ethical behavior.

Nothing in this description should be construed as an offer of employment nor as a contract.  All employment offers are made by a Member of the company after careful consideration and a personal interview. The benefits and other items listed above are merely highlights and do not in anyway modify, change, delete or otherwise change any employment offers, agreements or other written agreements and are subject to change.

Step 2

Available Career Opportunities:

1. Experienced Mortgage Consultants