Mortgage Loan Officer

COME WORK WITH US!

Citizens Financial is a premier mortgage brokerage that is 1of 8 companies in ALL of California to have an exclusive opportunity to partner with an exceptional banking institution. With access to our awesome portfolio, Citizens Financial is looking to hire mortgage professionals who will have the opportunity to join our exclusive partnership with a private wealth division & commercial lending institution to offer some unbeatable rates. We believe in speed, flexibility, and execution to match our client's personal request to an exceptional mortgage. Citizens Financial fosters a great working culture for employees to flourish. In this market you need a competitive advantage. Come work with us!

Job Description:

• Responsible for sales and origination of mortgages, customarily and regularly involved in activities related to selling loans away from the office.

• Develop and maintain relationships with borrowers, financial planners, individual borrowers and builders, etc.

• Accurately obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

• Meet with applicants to obtain information for loan applications and to answer questions about the process.

• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

• Review loan agreements to ensure that they are complete and accurate according to policy.

• Responsible for proper adherence to legal regulatory and company policies/procedures

• Follow proper risk audit and compliance controls to mitigate financial risk to the organization while maintaining an environment focused on quality customer service

• Responsible for ensuring that outstanding service is delivered to our customer and clients

• Perform business development activities to increase recurring production including: maintenance of a client database, client and customer calling/monitoring efforts and additional activities as proposed by management.

• Manage a loan pipeline and the loan process to ensure loans are funded in a timely manner.

• Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

• Review and update credit and loan files.

• Submit applications to credit analysts for verification and recommendation.

• Develop and maintain additional resources to generate mortgage inquiries through marketing and advertising campaigns, etc.

• Analyze potential loan markets to develop prospects for new loans. Assist in defining existing loan products and developing new loan products to improve profitability and sales execution.

Qualifications

• US work authorization (Required)

• NMLS License (Required)

• Real Estate Salesperson License (Required)

• High school or equivalent (Preferred)

• Fair Housing regulations: 1 year (Preferred)

• Loan origination: 1 year (Preferred)

• Sales: 1 year (Preferred)

Job Types: Full-time, Part-time, Contract

Pay: $60,000.00 - $150,000.00 per year

Benefits:

• 401(k)
• Flexible schedule

Physical Setting:

• Office

Schedule:

• 8 hour shift
• Monday to Friday

Supplemental Pay:

• Commission pay

Education:

• High school or equivalent (Preferred)

Experience:

• Loan origination: 1 year (Preferred)
• Sales: 1 year (Preferred)

License/Certification:

• NMLS Licence (Preferred)
• DRE License (Required)

Work Location: One location