Real Estate Loan Officer

Pacific Service Credit Union • Concord, CA

9h

About The Position

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being.

The Real Estate Loan Officer is responsible for performing proactive outreach to solicit new residential real estate loans and delivering results aligned with the established loan quality and production goals of Pacific Service Credit Union. This role is responsible for completing the processing of branch- and call center–generated referrals while producing self-generated loan opportunities. The position prepares and researches borrower solutions, assists members throughout the loan process, and recommends appropriate real estate lending products. The Real Estate Loan Officer maintains strong, long-term relationships with members, approved organizations, and the communities served, contributes to a sustainable referral network including realtors and other market professionals, collaborates with internal teams, and supports ongoing business development to ensure a consistent pipeline of real estate loan prospects and recurring referrals.

This role requires an organized and dependable individual with strong communication skills and the ability to complete tasks accurately and on time. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes.

Requirements

• High school diploma or equivalent, required.
• Minimum of five (5) years in a real estate related role, including at least two (2) years generating self-sourced business, required.
• Sales experience, required.
• Proven success of consistently meeting or exceeding individual and organizational professional goals.
• Eligibility to obtain and maintain valid registration with the National Mortgage Licensing System (NMLS) and Registry in compliance with the requirements of federal law, including the SAFE Act.
• Excellent oral and written communication skills, required.
• Must be proficient in computer programs (e.g., Microsoft Office Suite).

Nice To Haves

• College degree or equivalent work experience, preferred.
• Strong credit and general financial analysis experience.
• Advanced ability to research, analyze, and report information on market conditions including competitive product and service offerings.
• Continually develop and maintain advisory and consultative home loan skills.
• Working knowledge of the secondary mortgage market and applicable government lending programs.

Responsibilities

• Originate, manage, and produce a pipeline of first and second-lien mortgage applications, including conventional, FHA, VA and home equity products through member referrals, targeted marketing efforts, and community outreach initiatives.
• Develop and maintain strong relationships with credit union members by delivering guidance, expertise, and ongoing support through the loan application process.
• Collect, review, and analyze borrower financial data to determine loan eligibility and appropriate lending solutions.
• Complete initial assessment of the real estate application including a review of credit, financial data and collateral information in preparation of processing and loan approval.
• Ensure all loan applications are complete, accurate, and compliant with internal policies, regulatory requirements, and applicable secondary market standards.
• Oversee the loan process from origination through closing, maintain clear and timely communication with applicants including negotiating interest rate and loan terms due to changes in the initial qualification caused by collateral, income or financial data verification.
• Maintain comprehensive knnowledge of applicable state and federal laws and regulations, including RESPA, HPML, HOEPA, HCML, ATR/QM, Bank Secrecy Act, and anti-money laundering requirements, ensuring full compliance throughout the lending process.
• Utilize automated underwriting systems, such as Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Prospector (LP), interpreting findings to build a high-quality loan portfolio.
• Assist in promoting purposeful and productive member engagement by identifying additional financing needs and capturing opportunities to upsell or cross-sell.
• Demonstrate professionalism and discretion when handling difficult or sensitive member situations.
• Consistently document member communications and loan activity within the Loan Origination System (LOS) to ensure accurate recordkeeping and effective communication.
• Collaborate effectively with processors, closing staff, and management to ensure timely, accurate, and efficient loan processing.
• Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
• Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results. Act with integrity, follow through on commitments, and uphold professional standards.
• Support and uphold company culture by aligning your work with the credit union’s mission and values, contributing to a positive, high-performing environment.
• Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success.
• Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures.

Benefits

• Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.
• 401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. All employees are vested at 100% for the employer match beginning the first day of employment.
• Bonus program: All employees are rewarded for attaining our annual organizational goals.
• Tuition Reimbursement program for employees eligible after six months of service.
• Recognition program where employees can be nominated by management, their peers or by members.
• Employee referral bonus.
• Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service.
• Employees are eligible to receive a consumer loan rate discount
• Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED