Mortgage Loan Originator \ Loan officer
Concept Mortgage
Monterey, CA
Posted ago
Concept Mortgage

Are you a Mortgage Loan Originator stuck in the Mortgage Matrix? Or are you looking for new opportunities with a transparent locally-owned proven company that is nationally recognized? We have excellent opportunities for licensed Mortgage Loan Originators that share in our company beliefs and industry awareness. The leadership at Concept predicted the results of the 2008 collapse and countered the false information flooding the primary mortgage market. Today it’s clear that these predictions are well and present in today’s market, making NOW the very best time in history to be an exclusive ‘Independent’ Mortgage Loan Originator without corporate influence and persuasion.  

If you are looking for career growth and tired of the revolving resume, independence is for you.  If you do not want to be bound by warehouse lines and special interests hiding significant rate sheet margin (SRP), forced to place (steer) your clients to one lender, independence is for you. If you are tired of inconsistency, overlays, or false promises, independence is for you. Concept Mortgage Group provides the very best platform for MLO’s. Exclusive wholesale lending with lenders competing on price and execution is the not only the most transparent channel where you work for your clients exclusively, but produces significant advantages for your career. Consumers and Realtors choose Concept over others due to our experience and position. 



  • Schedule and conduct mortgage financing conversations with potential REALTORS®, banking, and home builder clients 
  • Network to source new business as needed 
  • Be familiar with all aspects of the mortgage lending process 
  • Work closely with realtors, bankers, and home builders to ensure on-time closings 
  • Respond to all mortgage lending leads/requests 
  • Secure referrals from your network and contact those referrals to schedule appointments for conversations 
  • Must be eligible for registration as a Mortgage Loan Originator in compliance with the SAFE Act 
  • Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine financing objectives, discuss with borrowers product/pricing guidelines, and gather any additional required information 
  • Manage appointments with borrowers for mortgage loan requests as well as online and telephone mortgage loan requests 
  • Prepare mortgage loan applications including required supporting documentation for submission to underwriting


  • 2+ years proven mortgage loan origination track record in the City/State area with a current NMLS license 
  • Ability and personal expectation to regularly close 5 to 6 loans per month 
  • Independent self-starter ready to pull ahead in the mortgage lending business 
  • Experienced in Fannie, Freddie, FHA, USDA and VA lending 
  • Be a team player who thrives working with a tight knit company where your activity directly affects the bottom line and you have access to senior leadership 
  • Skilled at connecting with a variety of personalities 
  • Enthusiastic with excellent people skills 
  • Ability to communicate effectively (oral and written) 
  • Professional in attitude and appearance 
  • Understanding of all policies and regulations relating to loans 
  • Professional human relations skills 
  • Ability to work efficiently and independently in a fast paced environment 
  • Self-starter with strong attention to detail and follow up

$80,000 - $250,000 commission based
About Concept Mortgage

Started in 1991, Sunrise Bay Mortgage Inc., DBA Concept Mortgage, is growing an amazing team. If you are looking for a dynamic family oriented company to be part of, then you have found the right place.  

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