Mortgage Loan Originator

Summary

The primary function of this position is to originate real estate loans within Sierra Central’s 20-county footprint by proactively building referral networks and delivering exceptional service to members and prospective members. This role is focused on external business development, as referrals will not be directly provided by the branches.

Full-time

• Proactively generate business by building and maintaining strong relationships with real estate agents, CPAs, financial planners, builders, and other referral sources.
• Attend networking events, industry functions, and community activities to develop and expand referral pipelines.
• Create and deliver in-person and online trainings for real estate professionals, brokerages, and community partners.
• Conduct one-on-one meetings and presentations to build trust and increase mortgage referrals.
• Solicit and originate mortgage loans for both members and eligible non-members (live, work, worship within footprint).
• Assist members with appropriate product selection, ensuring suitability and alignment with their financial goals.
• Stay informed of market trends, competitor offerings, and regulatory changes to maintain a competitive edge.
• Provide a seamless experience from application to closing while maintaining compliance with lending policies.
• Partner with internal teams to ensure an efficient loan process and positive member experience.
• Perform related and additional duties as assigned.

• Excellent communication and presentation skills, with the ability to connect with diverse audiences.
• Ability to deliver clear, effective presentations both in person and online.
• Ability to build strong professional relationships internally and externally.
• Ability to thrive under pressure and deadlines while demonstrating a cooperative team spirit.
• Maintain a professional demeanor with discretion, tact, and diplomacy.
• Maintain flexibility to work evenings, weekends, or holidays as business development opportunities arise.

• Bachelor’s degree in business, finance, or related field preferred;
  High School Diploma or equivalent required.
• Minimum of 5 years of recent mortgage lending experience with a strong focus on loan origination.
• Demonstrated track record of meeting or exceeding sales goals through self-generated business and external referrals.
• Strong knowledge of mortgage loan products, real estate sales, lending regulations, underwriting guidelines, and compliance requirements.
• Credit union mortgage sales experience preferred.
• Proficiency in Word, Excel, Outlook, and CRM systems.
• Must obtain and maintain proper MLO registration in compliance with Federal and State regulations.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Prolonged periods of sitting at a desk and working on a computer – 7 to 8 hours per day.
• Light lifting, carrying, pushing and/or pulling objects up to 25 lbs.
• Intermittent walking and bending.
• General office environment: works generally at a desk in a well‑lighted, air‑conditioned cubicle/office, with moderate noise levels.

The company anticipates offering an annual salary of $60,000 plus commissions for this position at the time of hire. This range includes base salary and does not include possible overtime for non‑exempt employees or any applicable performance‑based incentives or commissions.

We provide a robust benefits package designed to support your health, financial security, and work‑life balance including:

• Medical, Dental & Vision Insurance options
• Voluntary Lines including hospital indemnity, accident, and critical illness policies
• Company Paid HRA (with enrollment in certain health plans)
• Company Paid Basic Term Life Insurance
  • Coverage at 2× annual base salary, up to a maximum of $500,000 for full‑time employees
  • $25,000 for part‑time employees
• Company Paid Long‑Term Disability Insurance…