Home Mortgage Specialist

Tri Counties Bank; Sacramento (CA); On-site; USD 36,000 - 54,000; Full time

Benefits offered by this job

Forgivable draw compensation

Broad product suite

Local processing and underwriting support

Job summary

Tri Counties Bank is seeking a Home Mortgage Specialist in Sacramento. This role involves soliciting residential loan applications, quoting mortgage rates, and providing exceptional customer service while ensuring compliance with regulatory and bank requirements.

The ideal candidate will have a minimum of five years in mortgage lending. The compensation includes a competitive package with a non-recoverable draw of $18 per hour plus monthly loan commissions.

Qualifications

• Minimum of 5 years of experience in mortgage lending or a related field.
• Effective communication skills with customers and business partners.
• Professional, courteous, and efficient customer service skills.

Responsibilities

• Solicits residential loan applications and quotes mortgage rates.
• Maintains external referral sources and supports customer service.
• Meets loan production goals as assigned.

Skills

Mortgage lending experience

Effective communication skills

Customer service skills

Knowledge of regulatory requirements

Technical skills in banking applications

Education

High school diploma or GED

Bachelor's degree in business or finance

Tools

Microsoft 365

Loan origination platforms

Job description

Come to work for a company you can be proud to represent.

The hiring range for the Home Mortgage Specialist is a non-recoverable draw of $18 per hour, or your monthly loan commissions, whichever is greater. We offer a very competitive Home Mortgage compensation package based on our pay scale, which may be modified by location and is commensurate with qualifications and experience.

We are looking to hire a highly motivated Loan Officer in the Sacramento Region. You will be joining California’s Local Bank, and one of California’s Premier Community Banks. As a Home Mortgage Specialist, you will partner with the Retail Bank, Commercial Teams, Small Business and Financial Advisor’s. Generating self-source business will be a requirement.

• Highly Competitive Comp Plan, including a Forgivable Draw
• Broad Product Suite: FNMA, FHLMC, FHA, VA, USDA, CalHFA, Jumbo and Expanded Portfolio products
• Non‑QM Products: Bank Statements, DSCR, Asset Depletion
• Land and Construction to Perm Loans
• WISH grants through FHLB plus other DPA Programs
• Local Processing, Underwriting and Closing Teams

By joining the Tri Counties Home Mortgage Team, you will have the Products, Service and Support to be successful in this highly competitive market.

Position Summary

The Home Mortgage Specialist solicits residential loan applications, quotes mortgage rates, and compiles complete loan packages for submission to the Home Mortgage underwriting department. This position develops and maintains external referral sources while supporting customers referred from assigned branches. The role delivers exceptional customer service and ensures compliance with all regulatory and Bank requirements.

Major Responsibilities

• Meets loan production goals as assigned by the Home Mortgage Sales Manager.
• Providing exceptional customer service to internal and external customers.
• Real estate loan applications from sources outside the Bank through effective business development efforts.
• Complete loan packages and required documentation for submission to processing while strictly adhering to all regulatory and Bank requirements for the protection of Non‑Public Personal Information (NPPI).
• Quotes mortgage rates and explains loan programs accurately and completely to borrowers.
• With loan processors, customers, title companies, and other parties as necessary to support loan completion.
• Productive team atmosphere with assigned branches and the Home Mortgage underwriting department.
• Compliance with Bank policies and procedures and all applicable federal and state laws, including but not limited to BSA (SARs, CIP, OFAC), GLBA, Identity Theft Red Flags, and Financial Elder Abuse Reporting requirements.

Education

• Required: Highschool Diploma or GED.
• Preferred: Bachelor’s degree in business, finance, or related field.

License

• Required: Mortgage Loan Originator (MLO) registration through the Nationwide Mortgage License System and Registry (NMLS).

Other

• Securities licenses, including Series 7 and Series 66, are held and maintained by the Bank or its affiliated entity.

Skills and Knowledge

• Work Experience: Minimum five (5) years of direct experience in mortgage lending or a related field.
• Communicate effectively both verbally and in writing with customers and business partners.
• Professional, courteous, and efficient customer service skills.
• Residential mortgage products, lending practices, and regulatory requirements.
• In banking and mortgage‑related technology systems, including Microsoft 365, loan origination platforms, and other secure business applications.

Disclaimer

The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Equal Opportunity Employer

Tri Counties Bank is an affirmative action and equal opportunity employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.

Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.