RE LOAN OFFICER

ILWU CREDIT UNION•Long Beach, CA

4d•Onsite

About The Position

ILWU Credit Union is seeking an experienced Real Estate Loan Officer to manage the full lifecycle of residential mortgage loans—from application through funding—while delivering an exceptional member experience. This role is ideal for a lending professional who enjoys both originating and underwriting loans, thrives in a collaborative environment, and takes pride in guiding members through one of the most important financial decisions of their lives. Hours for this role are Monday through Friday 9:30am – 6:00pm. This position will become part of a union bargaining unit after 90 days of satisfactory employment.

Requirements

5+ years of real estate lending experience, preferably in the Credit Union industry
5+ years of underwriting experience (MUST BE MORTGAGE LOAN UNDERWRITING), preferably in the Credit Union industry
NMLS license required
Encompass or equivalent mortgage loan origination system experience required.
Strong knowledge of mortgage products, underwriting, and credit analysis
Strong analytical and decision-making skills
Excellent communication and member service mindset
Ability to manage multiple loans and deadlines simultaneously
High attention to detail and accuracy
Self-motivated with a proactive, solutions-oriented approach

Nice To Haves

Familiarity with Fannie Mae/Freddie Mac guidelines (preferred)
Knowledge of FHA, VA, and USDA loans is a plus

Responsibilities

Guide Members Through the Mortgage Process: Serve as a trusted advisor to members, helping them understand loan options and the mortgage process.
Conduct loan interviews and gather financial information.
Communicate clearly on loan status, conditions, and decisions.
Underwrite & Structure Loans: Analyze income, assets, credit, and property details to make sound lending decisions.
Approve loans within delegated authority and recommend alternatives when needed.
Ensure compliance with credit union policies and applicable guidelines.
Manage Your Loan Pipeline: Oversee loans from application through closing and funding.
Coordinate appraisals, title, credit reports, and other required services.
Proactively identify and resolve issues to keep loans on track.
Ensure Accuracy & Compliance: Maintain complete and accurate loan files.
Ensure all disclosures and documentation meet regulatory requirements.
Support HMDA reporting and other compliance-related activities.
Collaborate & Support the Team: Partner with internal teams to ensure a seamless process.
Provide guidance to colleagues and assist with consumer lending as needed.