Mortgage Loan Officer

🔥 18 minutes ago

🏄 California – Remote

🏄 California – Remote

💵 $40k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 0%

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Redwood Credit Union

WebsiteLinkedInAll Job Openings

501 - 1000 employees

🏦 Banking

💳 Fintech

👥 B2C

Banking • Fintech • B2C

Redwood Credit Union (RCU) is a full-service financial cooperative that offers comprehensive banking services to consumers and small businesses primarily in the North Bay and San Francisco areas. Since its establishment in 1950, RCU has focused on serving its Members rather than generating profit for shareholders, ensuring a strong community-oriented approach. Members have ownership in the Credit Union and a voice in its operations, reflecting RCU's commitment to treating them with respect and care while providing valuable financial solutions.

📋 Description

• Market and originate Redwood Credit Union first- and second-lien loan products from external business sources • Contribute substantially to residential loan growth • Deepen prospective and existing member profiles through knowledge of lending products • Initiate cross-lending referrals outside residential originations • Provide exceptional member service through all communication channels • Source and develop new external referral relationships • Grow self-generated external referral relationships • Market conventional, conforming, jumbo, primary, secondary, investor-occupant, fixed-rate, and adjustable-rate products • Consult ethically on options serving applicants’ best interests • Take applications using a web-based loan origination system • Answer phone inquiries and handle mortgage referrals • Manage communication for assigned loans from origination through funding • Gather and review documents for complete and accurate processing submissions • Interpret Fannie Mae Desktop Underwriter findings • Discuss loan options, programs, and counter-offers with members • Counsel declined applicants on steps to qualify for future loans • Instruct homebuyer and other seminars • Discuss loan products and services at special events such as home shows • Recommend workflow changes to maintain efficiency • Research and resolve member or employee concerns • Perform special projects and other assigned duties • Recommend and implement products and services benefiting RCU membership

🎯 Requirements

• Equivalent to high school diploma • 4 years of experience in the mortgage lending industry • At least 1 year as a high producing conventional mortgage loan originator • Verifiable recent loan production in conventional/conforming products • Thorough knowledge of conventional conforming mortgage principles, practices and rules • Verifiable experience with recent regulatory compliance requirements • Current knowledge of internet-based LOS and Fannie Mae DU risk engine • At least 12 months of current experience selling Fannie Mae loan products • Demonstrated ability to analyze complex scenarios and recommend workable solutions • Skilled in operating office equipment and internet access • Ability to communicate effectively verbally and in writing • Ability to establish and maintain work relationships with a diverse group of people • Ability to act independently and confidentially, using discretion and tact • Capacity to coordinate activities and prioritize work • Proficiency and desire to work in and contribute to a team environment • Ability to travel to various locations • Ability to maintain a valid California driver’s license • Eligible to obtain and maintain valid registration with the National Mortgage Licensing System and Registry in compliance with Federal Law, including SAFE Act and NCUA part 761 • Ability to stand, bend, stoop, sit, walk, twist, and turn • Ability to lift up to 20 pounds • Ability to use a computer keyboard and calculator • Ability to travel to various branch and Member locations • Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position

🏖️ Benefits

• Competitive medical, dental, and vision insurance, mental health offerings • Employee performance incentive plan • Salary Advancement– Merit increase based on performance • 401(k) program with employer match • Competitive PTO accrual plus 11 paid company holidays and your birthday off • 0.75% discount off RCU standard collateral auto loans • 1% discount on recreational or boat loan products • 2% discount off Visa and LOC loans through RCU • 0% interest loan for immigration-related expenses, up to $1,000 • 0% interest loan for naturalization-process expenses, up to $15,000 • 0% interest on garment, fitness, or home office equipment loan of up to $500 • 100% financing for employee-purchased homes

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