Mortgage Loan Originator

Sierra Central Credit Union•Yuba City, CA

15d•$60,000

About The Position

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.

Requirements

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.

Nice To Haves

Credit union mortgage sales experience preferred.

Responsibilities

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.

Benefits

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 for Full-Time Employees
Company Paid Telehealth Services Membership (Teladoc)
Company Paid Employee Assistance Program (EAP)
401(k) Retirement Plan
Employer-funded safe harbor contribution of 3% of employee's eligible earnings
Discretionary employer match on employee contributions
Flexible Spending Accounts
HSA
Medical FSA
Dependent Care FSA
Limited Purpose FSA
Paid Time Off
Vacation accruals based on status and tenure within company
12 sick days accrued annually for full-time employees
1 hour for every 30 hours worked for part-time employees
11 paid holidays (eligible after 90 days of employment)
Travel Expense Reimbursement
All necessary and work-related travel expenses will be reimbursed in accordance with company policy