Community Lending Officer - Modesto
The Community Mortgage Lending Officer is an entry-level full-time role focused on driving mortgage sales and building client relationships within community and affordable housing sectors. This position involves consulting customers on lending solutions, managing loan origination processes, and collaborating with internal teams and external partners to support homeownership goals. The role requires strong knowledge of mortgage products, regulatory compliance, and active engagement with diverse real estate and nonprofit networks to promote Confidential Client's lending services.
About Careertakes
👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
What You’ll Do
The Community Lending Officer will drive residential mortgage sales and build referral relationships across community channels. You will work closely with internal partners and community organizations to originate loans that meet customers’ homeownership needs while ensuring compliance with lending laws and company policy.
- Consult with customers about financial situation, goals, and lending needs to recommend appropriate mortgage solutions.
- Collect and analyze customer financial information (income, assets, debts, credit history) to perform initial eligibility assessments.
- Recommend lending options (FHA, VA, conventional, LMI programs, assistance programs) and explain risks, benefits, and pricing alternatives.
- Promote the client’s mortgage products to realtors, builders, nonprofit affordable housing partners, CPAs, and other referral sources.
- Conduct outreach and attend community events — target at least 2–3 diverse realtor or affordable-housing nonprofit events per month.
- Visit customers outside the office when needed and collaborate with Operations, Processors, and Underwriters to ensure timely loan closings.
- Maintain and grow a book of business focused on community lending and CRA-eligible or minority tract customers.
- Escalate and report control issues; follow all applicable laws, rules, and internal policies to safeguard the organization and customers.
Qualifications
- 2–5 years relevant experience in residential mortgage lending or related sales.
- Minimum 3 years of mortgage sales/origination experience required.
- Residential mortgage experience with FHA/VA and conventional loans preferred.
- Experience with community loan products, lender-paid assistance, and third-party assistance programs.
- Established relationships with diverse realtor organizations and affordable-lending nonprofits in the origination territory.
- Proven track record (book of business) and ability to originate at least 3 loans per month, with a minimum mix of 50% CRA-eligible or within minority tracts.
- Strong customer service, relationship development, and self-motivation skills.
- Knowledge of consumer lending laws and regulations (fair lending, privacy, RESPA).
- Excellent verbal and written communication; able to explain financial calculations and required documentation clearly.
- Must register as a Mortgage Loan Originator with the Nationwide Mortgage Licensing System & Registry and obtain a unique identifier before engaging in MLO activities.
Education & Employment Type
- Bachelor’s degree or equivalent experience preferred.
- Employment type: Full time.
Compensation & Benefits (as posted)
- Base salary range shown in the source: $90,000.00 - $90,000.00 (annual).
- Benefits may include medical, dental & vision; 401(k); life, accident, and disability insurance; paid time off and holidays; and incentive/retention awards where eligible.
- Pay and benefits may vary by jurisdiction and role level.
Key Skills & Keywords
- Community Lending Officer
- Mortgage Loan Originator
- Residential Mortgage Sales
- FHA / VA / Conventional Loans
- Community & Affordable Housing Partnerships
Notes on Compliance & Process
Careertakes recruits for this opening on behalf of our client. All candidate assessments and final hiring decisions are made by people. Reasonable accommodations are available for applicants with disabilities in accordance with applicable law.
Equal Opportunity & Hiring Transparency
Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.
If you have questions about how your data is used, please contact us directly.
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