Internal Mortgage Loan Officer

San Diego County Credit Union•San Diego, CA

10d

About The Position

The Internal Mortgage Loan Officer acquires and deepens customer relationships through needs-based communication about mortgage products available to credit union members. The role delivers results in mortgage and home lending products while providing exceptional customer service throughout the sales process. The candidate is expected to be self-motivated, meet sales goals and member service levels, and maintain the organization’s quality service standards. The position generates and processes mortgage leads for purchase, refinance, second mortgage, and HELOC requests. It manages member communications and loan documentation throughout the process, ensures loans meet secondary-market and internal product requirements, and maintains knowledge of applicable guidelines, regulations, products, policies, procedures, and underwriting requirements. The role also performs assigned AML/BSA compliance activities and may assist clients during evenings and weekends. The position is full-time, 40 hours per week, with a stated schedule of Monday through Friday, 8:00 a.m. to 5:00 p.m.; Saturday and Sunday are off. Compensation is a base rate of $19 per hour plus monthly production-based commissions, with total annual compensation stated as $75,000 to $140,000.

Requirements

Bachelor’s degree or equivalent work experience in sales and/or real estate.
Two years of work experience in mortgage lending.
Effective organizational skills, thorough follow-up, and attention to detail.
Demonstrated sales ability, proven sales techniques, and willingness to actively promote credit union products and services.
Ability to manage a large pipeline of real estate loans in different stages of the loan process.
Ability to market, promote, and build relationships.
Working knowledge of the local real estate market.
Effective verbal and written communication skills.
Demonstrated PC skills, including Microsoft Office Suite, and ability to use database marketing.
Demonstrated client service skills.
Working knowledge of real estate appraisals, title reports, and real estate transactions.
Must be eligible for, obtain, and maintain an NMLS License.
Must complete required SAFE Act, Loan Originator, or other required training.

Responsibilities

Generate loans from internet-based mortgage leads for purchase, refinance, second mortgage, and HELOC requests.
Make outbound calls to prospective borrowers to generate loan production.
Convert internet-provided leads into fully executed loan applications and meet goals set by the EVP of Real Estate Lending.
Develop and maintain quality working relationships with credit union members throughout the loan process.
Provide members with consistent loan-status communications and coordinate collection of required documents.
Ensure loans are saleable in the secondary market under agency regulatory guidelines and meet internal product guidelines.
Stay informed about changing guidelines and regulations.
Maintain an understanding of credit union products, policies, procedures, and underwriting requirements.
Analyze detailed financial and credit data to match client needs with appropriate loan programs and risk levels.
Participate in assigned AML/BSA compliance training.
Follow AML/BSA policies and procedures, including identifying and referring suspicious activity to the Operations Department, performing OFAC comparisons, and properly identifying individuals under Branch Operations procedures.
Perform other duties as assigned.
Be available to assist clients during evenings and weekends.