Consumer Direct Sales

River City Mortgage; Cincinnati, Northern (OH, KY); Hybrid; USD 120,000 - 210,000; Full time

Benefits offered by this job

Paid training

NMLS licensing support

Medical insurance

Dental insurance

Vision insurance

Life insurance

401(k)

Paid time off

Parental leave

Job summary

River City Mortgage is hiring for our Consumer Direct Sales team, a full-time onsite role designed to launch a long-term career in mortgage sales. You start with a 4–6 month structured training program with paid training, NMLS licensing support, and hands-on experience using company-generated leads from day one.

After licensing, you continue in a driven, lead-based environment, handling refinances and purchases, with elite pricing and the support to grow your income through uncapped commissions.

Qualifications

• Bachelor’s or Associate’s degree required.
• Motivated, coachable candidates with an interest in sales or finance.
• Strong attention to detail and problem-solving mindset.

Responsibilities

• Work directly with qualified leads to help borrowers refinance or purchase homes.
• Operate in a high-opportunity, lead-driven sales environment with strong pricing support.
• Close a high number of transactions and grow income through uncapped commissions.

Skills

Coachable

Motivated

Sales interest

Attention to detail

Education

Bachelor’s or Associate’s degree

Job description

For recent graduates providing a guided path from beginner to licensed mortgage loan officer, complete with paid training and real-world experience.

$2MM

Annually Powering Company Lead Flow

$200K

First Year Earning Potential

12 mo

Training Focused on Continuous Development and Skill Mastery

River City Mortgage is a full-service, nationally licensed mortgage lender serving homebuyers and homeowners across the country. Built on our four core pillars — Culture, Collaboration, Commitment, and Communication — we focus on delivering personalized financing solutions that simplify the path to homeownership and refinancing. We value building long-term relationships, approaching every mortgage as far more than a transaction, and taking the time to understand each borrower’s goals and needs. Our team blends deep industry experience with a high-touch, transparent approach, making expert guidance accessible at every step of the loan process. River City Mortgage is dedicated to putting the customer experience first, fostering an authentic and supportive internal culture that empowers our people to grow, collaborate, and communicate with clarity and purpose.

Job Summary

As River City Mortgage continues to grow nationwide, we are seeking motivated, competitive individuals to join our Consumer Direct Sales (CDS) team — a full-time, onsite role designed to launch and sustain a long-term career in mortgage sales. Your journey begins with a 4–6 month structured, cohort‑based training program where you receive paid training, NMLS licensing support, and hands‑on experience working with company‑generated leads from day one. No prior mortgage experience is required. We hire for attitude and drive, and train for skill.

But CDS is more than a training program — it’s a long‑term career track.

After licensing, team members transition fully into the CDS role, operating in a high‑opportunity, lead‑driven sales environment focused on internal lead growth and borrower retention. You will work directly with qualified company‑provided leads, handling both refinance and purchase opportunities, and offering elite pricing. Whether helping a borrower lower their monthly payment through a refinance or guiding them through a home purchase, you will play a direct role in improving their financial future.

As the industry shifts toward a more favorable rate environment, refinance demand is expected to increase, creating substantial opportunity for motivated sales professionals. Combined with purchase business and strong internal marketing support, CDS representatives are positioned to capitalize on high‑volume opportunity.

This role allows you to:

• Work directly with qualified leads
• Help borrowers refinance, purchase homes, consolidate debt, and reduce monthly payments
• Thrive in a fast‑paced, metrics‑driven environment with strong operational and leadership support
• Leverage internal lead growth while developing repeat and referral opportunities

CDS representatives earn a competitive base salary plus uncapped commission, with exponential earning potential, including the ability to earn $200,000+ annually as production scales. With steady lead flow, structured coaching, and the ability to close a high number of transactions, top performers can grow their income rapidly.

If you are driven, coachable, competitive, and motivated by both helping people and building significant income potential, CDS is not just a job — it’s a career path in an industry entering its next major growth cycle.

Who We’re Looking For:

• Motivated and coachable individuals
• Interest in sales or finance
• Bachelor’s or Associate’s degree
• Attention to detail and problem‑solving mindset

What You’ll Get:

• Paid training and licensing
• Medical, dental, vision, and life insurance
• 401(k) plan
• Paid time off and parental leave

Why River City Mortgage Stands Out:

• People-First Culture: We prioritize collaboration and support for new talent.
• Leadership That Invests in You: Managers are hands‑on and accessible, guiding you through every stage of development.
• A Mission That Matters: We help customers navigate one of the most important financial decisions of their lives with clarity, honesty, and care.
• High‑Energy Team Environment: We celebrate wins together, maintain a positive atmosphere, and value team success and individual performance.

Are you ready to do good work that means something? Join us as we build a culture of commitment, communication, and collaboration.