Mortgage Loan Officer / Mortgage Banker / Branch Manager

Mortgage Loan Officer (Experienced) \| Citizens Financial — The Badges Broker Hybrid \| Greater Sacramento Region \| Active CA NMLS Required Full\-Time \| 100% Commission \| W\-2 or 1099 \| 2–3\+ Years Experience Required The market is about to move. Seasoned Loan Officers, this is your moment. Rates are going to shift. When they do, the Loan Officers who are already planted, producing, and positioned with the right company will capture the wave. The ones who waited will watch it happen. This is not a posting for someone testing the waters. We are hiring experienced, producing Loan Officers in the greater Sacramento region — professionals with at least 2–3 years of active origination behind them who are ready to plug into a better model and move now. Who We Are Over a decade ago, Citizens Financial earned the name The Badges Broker the old\-fashioned way: by showing up for first responders, veterans, CDCR officers, educators, nurses, and every person who puts on a uniform and keeps this state running. That is not marketing. That is who we are. Behind every loan is a parent, a protector, a provider, a dreamer. We do not just fund home loans — we build lasting relationships and help people write new chapters for themselves and their families. That founding philosophy, to serve those who serve, has not changed in 19 years. It is in our DNA. You have a lot of choices. Every company will show you a rate sheet. Choose the one that shows you a mission. Learn more at The Model That Works in Your Favor One flat fee: $555 per closed loan. You keep the rest. No percentage splits. No clawbacks. No surprises. Your clients get rates that make you the easiest referral they will ever give. You get paid what you actually earned. Fairness Clause: if $555 exceeds 20% of your gross commission, you pay the lesser amount. Always. W\-2 or 1099 — your choice. Your pipeline. Your database. Forever. The Hybrid Structure This is a hybrid role serving the greater Sacramento market, anchored by our Solano County offices in Vacaville and Fairfield: Dedicated in\-house desk with scheduled in\-office collaboration days Remote flexibility the rest of the week — you manage your pipeline where you work best Direct access to leadership, processing, and marketing support when you're in the building The best of both: the autonomy of remote production with the speed, mentorship, and deal support that only comes from being in the room. A Proprietary Platform Built to Make You Exceptional We built our own. Citizens Financial operates a proprietary CRM built specifically for mortgage professionals, integrating full pipeline management, presentation software, team collaboration, and client relationship tools into one seamless system. No stitched\-together third\-party apps. One platform, fully integrated across the team, designed to make you better at your job every single day. Add a complete tech stack, branded domains, a full LOS, automated follow\-up, social content, and dedicated admin and marketing support, and you have a production environment built for one thing: closing loans. Conventional \| FHA \| VA \| Jumbo \| Non\-QM \| DSCR \| Reverse \| ITIN \| Down Payment Assistance Dual platform access — mortgage brokerage and mortgage bank — means you always have the right tool for every loan. What We're Looking For Active California MLO license (NMLS) in good standing — DRE or DFPI Minimum 2–3 years of recent, relevant mortgage origination experience Demonstrated production history and a working knowledge of the full loan lifecycle Located in or within commuting distance of the greater Sacramento / Solano County region Self\-sourced business mindset — you build relationships, we give you the platform to scale them Experience across multiple loan products (government, conventional, non\-QM) strongly preferred Build Beyond the Transaction Branch build\-out. Team leadership. Residual income. Pipeline sharing from day one. This is not just a better split on your next closing — this is a career with a foundation that actually scales. The Window Is Open. It Will Not Stay Open. Rates will move. The Loan Officers who are ready when they do will build something real. The ones who are still getting comfortable will be starting over. Get ahead of the wave. Join a company with a mission, a model, and a market presence that gives you every advantage. Apply now at www.citizensfinancial.co or reach us directly at info@citizensfinancial.co \| (707\) 800\-6047 Let's build this together. Benefits: 401(k) 3% match Flexible schedule Health insurance Hybrid work environment Application Questions: Do you currently hold an active MLO License (DRE or DFPI)? Are you currently licensed in California? How many years of mortgage loan origination experience do you have? Are you able to commute to our Vacaville/Fairfield offices for scheduled in\-office days? Work Location: Hybrid in Vacaville/Fairfield, CA (serving the greater Sacramento region) Pay: $50,999\.99 \- $100,000\.99 per year Benefits: 401(k) 3% Match Flexible schedule Health insurance Work from home Application Question(s): Do you currently hold an active MLO License (DRE or DFPI)? Are you currently licensed in California? How many years of mortgage loan origination experience do you have? * Are you able to commute to our Vacaville/Fairfield offices for scheduled in\-office days? Work Location: Hybrid remote in Vacaville, CA 95688