Mortgage Loan Officer/Mortgage Banker/Branch manager

Mortgage Loan Officer (NMLS) – 100% Commission | Flat-Fee | California | Remote or In-OfficeCitizens Financial – The Badges Broker – is redefining mortgage origination in California. We combine a 100% commission model, a simple $555 flat fee per closed loan, and an AI-driven platform built to help independent Loan Officers scale faster with less overhead. Every Loan Officer receives access to industry-leading CRM’s, and the company has built out an AI-powered inbound, outbound, and SMS lead engagement system and automated marketing suite designed to capture, qualify, and convert more clients.

Hiring experienced and newly licensed Mortgage Loan Officers

• Active CA NMLS required (DFPI or DRE)
• If you are currently in the process of obtaining your license, please apply

Compensation Options: Were Licenced with both the CA DRE, and DFPI

• 1099 Compensation: You earn 100% of your commission on every closed transaction. Citizens Financial charges a flat fee of $555 per closed loan.
• W2 Compensation: You receive 90% of the commission after paying an admin flat fee of $555 per closed loan. Please note that you are responsible for paying all applicable payroll taxes.
• Fairness Clause: If the $555 flat fee exceeds 20% of your gross commission, we adjust to ensure you pay the lesser amount.

Fully Integrated AI Inbound & Outbound Lead Engagement

• Citizens Financial has built and customized a fully AI-driven inbound and outbound calling and SMS system designed to do most of the follow-up, engagement, and reactivation work for you
• Automated follow-up and live-transfer qualified leads

Access to Monday and GoHighLevel CRM platforms

• Full CRM ownership — your pipeline and database stay yours
• Automated Google & Facebook review management

Low overhead:

• $75/month all-in tech cost
• Traditional brokerages often exceed $1,000 per month

Mortgage brokerage and mortgage bank

• Pricing flexibility, especially on VA and Conventional loans
• Full product suite: Conventional, FHA, VA, Jumbo, Portfolio, DPA, DSCR, Non-QM, Reverse, ITIN

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New Loan Officers

• Supported with: systems, structure, and automation
• Opportunities for community events, presentations, and partnerships

19 years serving California homeowners

• Proudly serving educators, first responders, healthcare professionals, CDCR staff, veterans, and all homebuyers
• Purpose-driven culture under The Badges Broker brand

Company Benefits: * 401(k) with up to 3% company match * Health, dental, and vision insurance * Professional development opportunities

Don’t wait for the market to change — be the one changing it. Join the movement redefining what it means to be a Modern Lender in California.

Apply now at www.citizensfinancial.co

Job Types: Full-time, Part-time, Contract

Pay: $49,033.04 - $375,000.00 per year

Benefits:

• 401(k)
• 401(k) 3% Match
• Dental insurance
• Flexible schedule
• Health insurance
• Opportunities for advancement
• Professional development assistance
• Vision insurance
• Work from home

License/Certification:

• MLO License (Preferred)
• DFPI License (Preferred)

Work Location: Remote

Salary : $49,033 - $375,000