External Mortgage Loan Officer

SAN FRANCISCO FEDERAL CREDIT UNION•San Francisco, CA

3d•$27 - $30•Onsite

About The Position

San Francisco Federal Credit Union (SFFedCU) is seeking an External Mortgage Loan Officer for its Golden Gate Branch in San Francisco. This role is responsible for originating residential mortgage loans, home equity lines of credit (HELOCs), and home equity loans while providing exceptional service to members. As part of the Real Estate Production team, the focus is on building relationships, generating loan applications, and guiding members through the mortgage process from application to closing. The Loan Officer ensures compliance with all regulatory requirements and contributes to the growth of the Credit Union’s mortgage lending portfolio.

Requirements

Minimum of three (3) years of experience in residential mortgage lending or financial services.
Proven track record of successful mortgage loan origination and relationship building.
Active NMLS registration required, with strict adherence to all applicable regulatory and licensing requirements.
Strong knowledge of mortgage lending regulations including Reg Z, Reg B, ECOA, FACTA, RESPA, and SCRA.
Excellent verbal and written communication skills.
Ability to work independently in a fast-paced, results-driven environment.
Strong interpersonal and public relations skills with a professional demeanor.
Proficiency in loan origination systems and Microsoft Office Suite.
Bachelor’s degree in business, finance, or related field preferred; equivalent experience considered.

Nice To Haves

Experience in financial services, credit union, or regulated environment
Familiarity with systems such as Encompass, Keystone, and core banking platforms
Customer-focused mindset and service orientation

Responsibilities

Originate mortgage loans and HELOCs to meet individual production goals and contribute to overall team targets.
Develop and maintain relationships with real estate agents, builders, and other referral sources to generate leads.
Actively prospect for new business through networking events and community engagement.
Provide expert guidance to members throughout the mortgage application and closing process, ensuring a smooth and positive experience.
Maintain thorough knowledge of mortgage products, rates, and lending policies to recommend appropriate solutions to members.
Ensure compliance with all federal, state, and local regulations governing mortgage lending activities.
Collaborate with internal departments including underwriting, processing, and closing to ensure timely and accurate loan fulfillment.
Maintain an active pipeline and manage loan files to meet deadlines and service standards.
Participate in community and industry events to promote the Credit Union’s mortgage services and build brand awareness.
Stay informed on market trends, competitor offerings, and regulatory changes affecting mortgage lending.
Uphold service level standards and contribute to performance metrics such as loan production, conversion rates, and member satisfaction.