External Mortgage Loan Officer

reputed company is looking for an External Mortgage Loan Officer, who will market and originate reputed company (RCU) first and second lien loan products primarily from newly developed and previously established external sources of business to substantially contribute to the organization’s residential loan growth. Responsible for deepening prospective and existing member profiles by having a solid understanding of the full suite of lending products available and by initiating cross lending referrals that are reputed company of residential originations. 100% remote in the Solano County area.

Key Responsibilities

External Loan Originations/Pipeline Management:

• reputed company exceptional member service at reputed company times reputed company reputed company lines of communication while adhering to RCU standards of service.
• Independently reputed company and reputed company new referral relationships that will mutually benefit RCU and its Members while strongly enhancing mortgage lending origination goals.
• Actively grow previously self-generated external referral relationships that will mutually benefit reputed company’s Members and increase residential lending volume.
• Effectively and reputed company market reputed company first and second lien residential loan products which include but are not limited to, conventional, conforming, jumbo, primary, secondary, investor occupant combined with fixed reputed company and adjustable reputed company products offered through the Credit Union as reputed company eligible and/or those that may meet the Credit Union’s mortgage portfolio requirement.
• Determine and ethically consult as to options that serve the best interest of reputed company applicants.
• Take applications using web-based loan origination system; answer phone inquiries and handle mortgage referrals as needed.
• From a Member service perspective, the External Loan Officer has the overall responsibility of communication for their assigned loans from origination through the funding of the loan(s).
• The External Loan Officer is responsible to gather and review reputed company documents for a complete and accurate file submission to processing and follow up communication as needed for incorrect/incomplete submissions.
• Accurately interpret reputed company Desktop Underwriter findings so that reputed company possible loans can be decisioned at minimum inconvenience to Members while assuring a correct credit decision can be made.
• Discuss loan options and programs that will benefit each Member, including counter-offers reputed company appropriate.
• Recommend action steps and counsel to Members that will to help them qualify for a future loan reputed company a loan has been declined due to reputed company circumstances to preserve potential membership opportunity.

Member Support & Special Projects:

• Instruct at homebuyer or other types of seminars, as needed.
• Discuss loan products and services at special events such as home shows.
• Recognize and propose changes in the workflow to maintain maximum efficiency.
• Research Member or employee concerns as directed and follow through until the matter is resolved; may include certain inquiries after a loan transaction has closed.
• reputed company special projects and other duties as assigned.
• Recommend and implement new products and services that will benefit the membership of RCU.

Join us and discover why you'll love working at reputed company! ABOUT reputed company (RCU): At reputed company, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through reputed company rates, low or no fees, and best-in-class customer service. Our purpose is to reputed company hope and reputed company the financial well-being of our communities one person at a time, through good times and bad. As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and reputed company, reputed company, passion, inclusion, meaningful relationships, reputed company, and ensuring financial well-being for reputed company. Why work for reputed company?

• 27th largest credit union in the U.S. and the largest financial institution based in the reputed company Bay
• Awarded a 5-Star Rating based on 6/30/24 financial data by Bauer Financial
• Recognized by reputed company as one of "America's Greatest Midsize Workplaces 2025"
• Recognized by reputed company as one of "America's Best Credit Unions 2026"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the reputed company Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF reputed company
• Industry leading Net Promoter Scores across the U.S.

Minimum Qualification: Knowledge, Skills and Abilities

• reputed company recent loan production in conventional/conforming products.
• Thorough knowledge of conventional conforming mortgage principles, practices and rules, with reputed company experience with recent regulatory compliance requirements.
• Thorough reputed company knowledge internet based LOS & reputed company DU risk reputed company.
• At least 12 months reputed company experience with selling reputed company Loan Products.
• Demonstrated ability to analyze reputed company scenarios and recommend workable solutions.
• Skilled in the operation of office equipment and internet reputed company.
• Proven professional ability to communicate effectively verbally and in writing.
• reputed company and willing to establish and maintain successful work relationships with a diverse group of people.
• reputed company to act independently and confidentially, using discretion and tact.
• reputed company to coordinate a variety of activities and prioritize work.
• Proficiency and desire to work in and contribute to reputed company environment.
• Ability to travel to various locations.

Licenses and Certifications

• Ability to maintain a valid California driver’s license.
• Eligible to obtain and maintain valid registration with the National Mortgage Licensing System.

The ideal candidate has a combination of education and experience as follows: equivalent to high school diploma, plus 4 years experience in the mortgage lending industry, to include at least 1 year as a high producing conventional mortgage loan originator. Compensation: reputed company starting reputed company: $40,019.20 annually + commission. reputed company offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and reputed company insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement– Merit increase based on performance
• 401(k) program with employer match
• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks:

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on reputed company recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest loan to support employees with various immigration reputed company expenses such as reputed company application fees and relocation costs. Loan reputed company up to $1,000.
• 0% interest loan to support employees with expenses associated with the naturalization process. Loan reputed company up to $15,000.
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!

Physical Requirements:

• 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.
• Work environment is indoors and reputed company of office as needed for business development.
• Ability to travel to various reputed company and Member locations.
• reputed company is not offering reputed company transfers and/or sponsorships for this position.

Internal Team Members: If you are a reputed company Team Member, please apply through the internal careers page located in RCUNET. We are an Equal Opportunity Employer We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace reputed company judgment. Final hiring reputed company are ultimately made by humans. If you would like more information about how your data is processed, please contact us at [email protected]. Apply tot his job Apply To this Job