Home Lending Loan Officer

Columbia Bank; Riverside (CA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Commission-based pay

Job summary

Columbia Bank is seeking a Mortgage Loan Originator to originate self-generated residential mortgages and build referral networks in the Fresno, Riverside, and Reno markets. The role emphasizes outside sales, relationship-building with real estate professionals, and strict adherence to lending regulations.

The candidate will interview borrowers, analyze income, assemble complete loan packages, and guide them through disclosures, underwriting, and closing.

Qualifications

• 2 years — Previous mortgage self-generated origination/sales and structuring experience (Required)
• Demonstrated knowledge of home lending processes including processing, underwriting, closing and funding
• Excellent written and verbal communication skills
• Ability to develop sustainable referral sources and generate leads
• Must be registered as a MLO per the SAFE Act requirements
• Authorized to act as Bank MLO for closed-end and related activities

Responsibilities

• Originate self-generated residential mortgage loans
• Develop business through relationships with real estate professionals and other referral sources
• Interview borrowers to analyze financial and credit data and determine financing objectives
• Provide thorough, compliant disclosures and documentation for loan processing
• Manage loan file through underwriting, closing, funding and post-closing
• Adhere to bank policies, regulations and training requirements
• Educate customers on lending programs and product options

Skills

Mortgage origination

Self-generated sales

Analytical skills

Communication skills

Excel

Education

HS Diploma/GED

Bachelor's degree in business/finance

Tools

Word

Excel

Job description

Fresno, California

Riverside, CA

Reno, Nevada

Full time

JR103267

About the Role:

Originates residential mortgage loans through solicitation and developing relationships with real estate professionals, builders, internal partners, and other business referral sources. Maintains a quality network of business relationships that serve as recurring sources of referrals for new mortgage lending opportunities and growth for the bank that are primarily self-generated.

• Responsible for the outside sales and origination of self-generated residential mortgages. Customarily and regularly involved in activities related to originating/selling loans away from the office.

• Develops and executes business development and marketing plan based on monthly and quarterly production standards. Works to constantly improve performance and exceed minimum monthly standards as set forth in the compensation schedule.

• Conducts interviews with prospective borrowers to analyze financial and credit data, determines customer financing objectives, advises customer on product/pricing policies and guidelines, and gathers all additional required information in order to complete an error free disclosure to the customer. Analyzes the various mortgage products available to the customer based on the information provided.

• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State compliance policies.

• Obtains all required documentation as required (i.e. appraisals, title reports, financial information, pulling credit), by taking complete applications, analyzing information and is accurate with supporting documentation to allow a seamless disclosure, process and approval on the loan file.

• Maintains overall responsibility for the loan file and documentation through processing underwriting, closing, funding and post-closing by following the transaction through to its conclusion.

• Conveys to customers and other associates the advantages of the company and various financial products the company offers through other areas of the bank.

• Completes annual training requirements including all BVS courses before due dates and participate in any system or system related training throughout the year.

• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

• Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

• Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

• Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words.

• Takes personal initiative and is a positive example for others to emulate.

• Embraces our vision to become “Business Bank of Choice”

• May perform other duties as assigned.

About You:

• H.S. Diploma/GED, vocational training, or equivalent (preferred)

• Bachelor's Degree in business, finance, or equivalent (preferred)

• 2 years — Previous mortgage self-generated origination/sales and structuring experience (Required)

• Previous mortgage self-generated origination/sales and structuring experience required.

• Demonstrated knowledge of the home lending industry, including processing, underwriting, closing and funding loan.

• Excellent analytical and problem solving skills.

• Experience collecting and analyzing borrower income and negotiating skills.

• Demonstrated ability to develop new and sustainable referral sources and generate leads.

• Excellent written and verbal communication.

• Ability to organize and prioritize, manage and perform multiple tasks.

• Detail-oriented and able to meet strict deadlines.

• Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.

• Proficiency with personal computers and related software packages such as Word and Excel.

• Must be registered as a MLO as per the S.A.F.E. Act requirements.

• This position requires you to act as a Bank MLO, which is defined as an individual authorized by the Bank to take mortgage loan applications, offer a mortgage, arrange a mortgage, assist a consumer in obtaining or applying to obtain a mortgage, negotiate a mortgage, otherwise obtain or make a mortgage for another person, represent to the public (through advertising or other means of communication) that such person can or will perform any of these activities, or refer a consumer to a loan originator (Note: Except those employees of the Bank who do not discuss particular credit terms available and do not refer the consumer, based on the employee’s assessment of the consumer’s financial characteristics to a particular Bank MLO) for compensation or gain. All MLOs will be required to register as an MLO complying with the SAFE Act requirements.

• This position is authorized to act as a Bank Closed-End MLO, which is defined as any position designated to perform the activities of a Bank MLO for closed-end transactions, and thus subject to specific Truth-in-Lending Act and Regulation Z Loan Originator requirements.

Travel Requirements

• Occasional

This role is a commission only.

The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

Evergreen

This posting is part of an evergreen requisition to create a pipeline of talent. If you are interested in potential opportunities in this area, we encourage you to apply. While we may not have an immediate opening at this time, we are always looking for top talent and will reach out as positions become available in the posted locations.

Our Benefits

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment to Diversity

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: [e-mail] ([e-mail]) .

To Staffing and Recruiting Agencies:

Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

At Columbia Bank, we're redefining what it means to bank and to build a career. As the West’s premier banking experience, we combine the strength and scale of a leading financial institution with the heart and mindset of a community bank. With more than 350 locations across eight states, we deliver relationship-based service backed by regional expertise and resources that help families and businesses thrive.

Our culture is built on Do RIGHT , which means:

• Relationships: We create authentic connections with customers, colleagues, and communities.

• Impact: Every role here makes a meaningful difference in people’s lives and local economies.

• Growth: We invest in your success with career development, mentorship and learning opportunities.

• Heart: We care deeply about doing what’s best for our customers and each other.

• Trust: Integrity and transparency guide everything we do.

Why work for Columbia Bank?

• A strong, stable financial foundation with over $67 billion in assets and a diverse portfolio that supports flexibility and opportunity.

• A culture of belonging and purpose, where your ideas matter and your work has impact.

• Competitive benefits and flexibility designed to help you thrive personally and professionally.

• Community engagement that matters, from supporting local businesses to empowering youth through financial literacy initiatives.

Ready to Do RIGHT for your career, your community, and your future? Explore opportunities and join Columbia Bank today.