External Mortgage Loan Consultant

SF Fire Credit Union•San Francisco, CA

11h

About The Position

SF Fire Credit Union seeks a full-time External Mortgage Loan Consultant to build referral networks and maintain loan volume from real estate brokers, home builders, and other mortgage referral sources. Candidates must have mortgage industry origination experience. Reporting to the Vice President of Real Estate Lending Operations, this role involves originating competitive portfolio and secondary market loans, promoting SF Fire Credit Union’s products and services, and engaging in business development activities at industry events. Our organization is dedicated to building an inclusive, fair, and diverse workplace. As an External Mortgage Loan Consultant, you'll be essential in helping meet mortgage production goals and consistently reflect our mission-focused values. To succeed, you'll need to be proactive, have a strong connection to the community, and genuinely want to excel in a purpose-driven setting. This role provides more than mere employment; it presents an opportunity to effect positive changes and contribute significantly to both our organization and the broader community.

Requirements

Experience in proactively soliciting new business. Must have excellent communication skills and the ability to effectively analyze financial information.
Proven experience as a Mortgage Loan Officer or similar role, preferably with demonstrated success in generating independent business.
Deep knowledge of mortgage products, lending regulations, and compliance standards.
Strong organizational skills and ability to manage multiple clients and deadlines independently.
Self-motivated with a strong entrepreneurial spirit and ability to work remotely without direct supervision.
Good time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
Education: High School diploma or equivalent required; Associate degree or specialized training preferred.
Experience: 1-3 years minimum, ideally 2-5 years mortgage loan officer or similar.
Must have the ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports.
Customer Focus - Is dedicated to meeting the expectations of internal and external customers
Approachability - Is easy to approach and talk to; Spends extra effort to put others at ease
Peer Relationships - Is seen as a team player and is cooperative
Decision Quality - Makes good decisions based upon a mixture of analysis, experience and judgment
Problem Solving - Uses rigorous logic to solve difficult problems with effective solutions
Drive For Results - Steadfastly pushes self and others for results
Interpersonal Savvy - Relates well to all kinds of people; builds constructive and effective relationships
Integrity and Trust - Is widely trusted; is seen as a direct truthful individual
Listening - Practices attentive and active listening; Has the patience to hear people out
Action Oriented - Full of energy for things he/she sees as challenging, not fearful of acting
Personal Learning - Seeks feedback; Displays a high level of curiosity and translates it into new approaches to problem solving
Creativity - Challenges conventional practices in a constructive manner

Responsibilities

Develop new business opportunities by cultivating and sustaining relationships with real estate offices, agents, home builders, title and escrow officers, financial advisers, CPAs, and other related professionals.
Network with professionals, family, friends, and past clients to promote the SF Fire Credit Union brand and assist homebuyers or homeowners in securing real estate financing aligned with their goals.
Establish and cultivate strategic partnerships with title companies, financial planners, insurance agents, banks, attorneys, and accountants to generate referrals. Consistently engage in face-to-face meetings with these professional contacts to strengthen relationships and identify new sales opportunities.
Serving as a home loan subject matter expert by staying up to date on lending programs, policies, and procedures.
Assess borrower finances to determine creditworthiness and mortgage eligibility according to policy and regulations. Review pricing choices and secure interest rates per borrower instructions.
Collaborate with Operations teams to facilitate the efficient transfer of loan applications, ensuring all required documentation is provided to Processors and that any additional information requested by Processors or Underwriters is obtained promptly.
Achieve production goals by collaborating with customers and agents, using data to effectively organize and manage your business portfolio.
Keep up with local real estate trends, competition, and updates to private and government-insured mortgage regulations.
Stay informed on industry trends, market conditions, and product offerings to provide expert advice.
Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
Perform the loan origination function in a thorough and complete manner. Adhere to Credit Union policies and procedures.