Icon hamburger
What job do you want?
Apply to this job.
Think you're the perfect candidate?
Apply Now

You’re being taken to an external site to apply.

Enter your email below to receive job recommendations for similar positions.

Home Mortgage Loan Specialist

Tri Counties Bank Roseville Full-Time
Apply Now

Position Title:  Home Mortgage Loan Specialist

Department:  Home Mortgage Sales

Position Summary:  The Home Mortgage Specialist is responsible for soliciting loan applications, quoting rates and compiling information to submit complete loan packages to the Home Mortgage underwriting department. The specialist will develop outside referral sources for new customers and will be responsible for assisting customers referred from assigned branches.

Major Responsibilities:

  • Meets loan production goals as assigned by the Home Mortgage Sales Manager.
  • Provides exceptional customer service.
  • Solicits real estate loan applications from sources outside the bank with effective business development efforts.
  • Quotes rates and explains programs accurately and completely to borrowers.
  • Compiles loan packages and relevant documentation to be submitted for processing while strictly adhering to all regulatory and bank requirements for the protection of customer’s Non-Public Personal Information (NPPI).
  • Coordinates with processor, customer, Title Company, etc. as necessary.
  • Develops a productive team atmosphere with assigned branches and the Home Mortgage underwriting department.
  • Maintains a current understanding of established Tri Counties Bank policies and procedures including but not limited to regulations as they pertain to mortgage loans: SAFE Act, Equal Credit Opportunity Act (Reg B), Truth in Lending (Reg Z), Bank Secrecy Act (BSA) Fair Lending, Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), OFAC compliance, Identity Theft red flags, Unfair Deceptive or Abusive Acts or Practices (UDAAP), privacy- Gramm-Leach Bliley Act (GLBA) and Non-public Personal Information (NPPI) regulations, Dodd Frank Loan Origination Rule, Dodd Frank Qualified Mortgage/Ability to Repay Rules, and Home Mortgage Disclosure Act (HMDA).
  • Refers customers back to branch partners for possible cross sell opportunities when appropriate.

Other Responsibilities:

  • Performs other work-related duties as assigned.
  • Maintains working knowledge of loan product alternatives.

Education, Experience, And Other Skills Required:

  • High school diploma or GED required, undergraduate degree preferred.
  • Minimum 5 years direct experience in mortgage lending or related field.
  • Excellent verbal and written communication skills.
  • Good organizational skills to accommodate involvement in multiple areas.
  • Ability to work with people in an efficient, friendly and professional manner.
  • Ability to utilize personal computers and Windows driven programs.
  • Able to be registered as a mortgage loan originator (MLO) in the Nationwide Mortgage License System and Registry (NMLS).

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ:TCBK) headquartered in Chico, California, providing a unique brand of customer Service with Solutions available in traditional stand-alone and in-store bank branches in communities throughout Northern and Central California.

The Bank provides an extensive and competitive breadth of consumer, small business and commercial banking financial services, along with convenient around-the-clock ATM, online and mobile banking access.

Tri Counties Bank has remained strong and profitable through a top-down commitment to its core values, sound business principles and responsible lending practices.

Our success is also based on our involvement in the communities we serve. The personal touch comes naturally to Tri Counties Bankers. You may recognize us at business, school and non-profit events, baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams or attending an event in The City or on the peninsula.



Skills required

Transaction Processing (Business)
Sales Management
Apply to this job.
Think you're the perfect candidate?
Apply Now

Job ID: HOMEM03101


For your privacy and protection, when applying to a job online, never give your social security number to a prospective employer, provide credit card or bank account information, or perform any sort of monetary transaction. Learn more.

By applying to a job using CareerBuilder you are agreeing to comply with and be subject to the CareerBuilder Terms and Conditions for use of our website. To use our website, you must agree with the Terms and Conditions and both meet and comply with their provisions.

TriCo Bancshares and Tri Counties Bank are headquartered in Chico, California. Tri Counties Bank has a 35-year history in the banking industry. Tri Counties Bank operates from 40 traditional branch locations and 27 in-store branch locations, in 23 California counties. Tri Counties Bank offers financial services and provides a diversified line of products and services to consumers and businesses, which include demand, savings and time deposits, consumer finance, online banking, mortgage lending, and commercial banking throughout its market area. It operates a network of 64 ATMs and provides a 24-hour, seven days a week telephone customer service center. Brokerage services are provided at the Bank’s office by the Bank’s association with Raymond James Financial, Inc.

Tri Counties Bank relies substantially on local promotional activity, personal contacts by its officers, directors, and employees, extended hours, personalized service and its reputation in the communities it serves to compete with other financial institutions.

View the full profile