Mortgage Loan Officer

Banner Bank • Sacramento, CA

27d

About The Position

Banner Bank is seeking a Mortgage Loan Officer to join its Mortgage Lending team. The team attracts and originates real estate loans that meet the Bank's standards for economic value and safety and contribute to the long-term profitability of its operations. The position develops business through Realtors, contractors, branch referrals, community and professional relationships, and walk-in or call-in customers. It also supports homeownership through inclusive community outreach and education.

Requirements

• High school diploma.
• NMLS registration.
• At least 3 years of experience in residential mortgage origination.
• Proven history of consistently closing and funding loans to meet sales goals.
• Knowledge of mortgage loan origination processes and procedures, regulations, and underwriting.
• Effective presentation, verbal and written communication, and negotiation skills.
• Knowledge of current market competition, sales strategies, trends, and activity.
• Knowledge of federal and state laws and regulations relating to real estate lending.

Nice To Haves

• Bachelor's degree in Finance, Accounting, Business, or another related field.

Responsibilities

• Originate real estate loans through Realtor business developed via structured outside calling, contractors, branch personnel referrals, general business relationships, and walk-in and call-in customers.
• Ensure originated loans are entered into the Bank's computer system and processed for submission to underwriting.
• Identify financing opportunities and provide financing sheets for listings and Realtor or builder open houses.
• Attend weekend open houses and/or subdivisions to solicit loans.
• Attend regular Realtor Association and Builder Association meetings.
• Attend internal training sessions, internal sales meetings, and assigned external training opportunities.
• Take applications or meet with clients at Bank branch locations and attend closing signing appointments as needed.
• Promote homeownership through community outreach near the designated branch, including first-time homebuyer classes and booths at nonprofit community events.
• Use inclusive marketing efforts to develop new leads, loans, and banking relationships.
• Comply with Bank policies, procedures, security requirements, and government regulations.

Benefits

• Monthly guarantee of $3,800, not including the ramp-up period.
• Excellent commission structure.
• Comprehensive employee benefits, including medical, dental, vision, LTD, STD, and life insurance.
• Paid vacation time and sick time.
• 11 company-paid holidays.
• 401(k) with up to 4% match.
• Tuition reimbursement.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED