25 Mortgage Loan Officer Jobs in Santa Ana, CA
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Orange County Credit Union is Hiring a Mortgage Loan Officer Near Santa Ana, CA
Are you ready to help our members achieve their homeownership dreams? At Orange County’s Credit Union (OCCU), we believe in creating an inclusive and supportive environment where everyone can thrive. We're looking for an enthusiastic and dedicated Mortgage Loan Officer to join our team and make a real impact.
Position SummaryIn this role, you will play a pivotal part in achieving our sales goals and service excellence. You'll develop and maintain strong partnerships, bringing in home loan business through activities like home finance seminars and consumer solicitation. You'll also work with real estate agents, contractors, home builders, financial planners, and other referral sources to build our home loan business. Your commitment to providing professional, efficient, and high-quality member service will be key to your success.
Essential Functions
- Build Relationships: Actively seek out new relationships and foster existing ones with third-party sources and business partners. Drive and develop new home loan business, increasing participation in our products and services while maintaining and closing loans in the pipeline.
- Network and Promote: Plan, schedule, and conduct visits with third-party sources, business partners, and the community to promote our products and services. Generate leads and fund home loans by engaging with potential and existing members.
- Business Development: Speak at industry events, host meetups, seminars, and networking functions to build your book of business and promote OCCU’s brand.
- Educate and Close: Educate members and non-members on our advantages and value propositions. Negotiate and close loans, both from Credit Union-sourced leads and self-sourced opportunities.
- Loan Application Assistance: Interview loan applicants, assist with the loan application process, conduct debt and loan structure calculations, gather background information, obtain credit reports, and analyze loan applicants' credit qualifications. Match the appropriate loan product to meet members' financial needs.
- Liaison and Expert: Act as a liaison and subject matter expert between the real estate agent, loan applicant, and the Credit Union to promote a successful and efficient loan closing experience. Support the loan processor and closer in obtaining required documents and stipulations.
- Credit Evaluation: Obtain and evaluate credit reports, structure loans in accordance with Credit Union guidelines and regulatory requirements.
- Team Collaboration: Work with the operations team to bring loans to funding, meeting service guidelines. Communicate effectively with Loan Processor, Underwriter, and Closer/Funder, focusing on exceeding member expectations. Collect all required conditions to fund loans.
- Member Communication: Keep members informed of the loan status throughout the transaction, including funding. Document all conversations electronically regarding loan approvals, conditions, and denial reasons.
- High school education or equivalent.
- One to two years relevant experience with background in home finance originations, which would provide a thorough knowledge of modern and effective selling skills.
- Successfully registered with the NMLS (Nationwide Multistate Licensing System & Registry) as a Mortgage Loan Originator
- Thorough knowledge of mortgage lending federal and state laws and regulations required.
- Thorough knowledge of Fannie Mae and/or Freddie guidelines for residential mortgage loan preferred.
- Thorough knowledge of loan origination and automated underwriting systems preferred.
- Experience creating and facilitating presentations, and selling skills are required to meet with local real estate agents, businesses, and other their party business referral sources, as well as educate consumers in home finance seminars and local community events.
- We perform thorough background checks, credit checks, and drug screening. EOE.
- Compensation is commission driven and has an hourly pay range of $21.00 - $22.00.
- Effective from day one of employment! Anthem Vivity HMO & Delta Care USA Dental – OCCU covers 100% of the associates' monthly premium
- Life insurance at no cost to associate
- 401(k) – OCCU automatically contributes 3% of the associate's earnings PLUS matches up to 5% of the associate’s contribution (dollar for dollar)
- Vacation hours – 13 days per year, rolls over year to year, and increases with tenure
- Sick hours
- Paid Holidays
- Annual performance merit increases
- Professional and personal development programs, including educational grants up to $2k per year, and step progression opportunities
- Annual discretionary bonus
- Professional, welcoming, and collaborative work environment focused on achieving goals, recognizing successes, and excelling at member service
Job Summary
Full Time
Banking
$45k-62k (estimate)
05/23/2023
08/16/2024
orangecountyscu.org
SANTA ANA, CA
200 - 500
1938
$50M - $200M
Banking
Related Companies
About Orange County Credit Union
Welcome to Orange County's Credit Union! Originally chartered in 1938, today the Credit Union serves more than 116,000 Members in Orange, Los Angeles, Riverside, and San Bernardino Counties. The Credit Union reports an asset size exceeding $2 billion and employs more than 300 happy Associates. Its no wonder Orange Countys Credit Union has been recognized as a great place to work and to bank. - 2019, 2016, 2013, & 2008 Peter Barron Stark Award for Workplace Excellence - 2018 Credit Union Journal Best Places to Work Award - 2014 & 2010 OC Register Top Workplace Award Work With Us! Orange Coun...tys Credit Union places a strong emphasis on work/life balance and promotes an environment centered on ethical values. This results in an open and honest atmosphere where Associates are able to leverage their strengths to achieve personal growth and development, both in and outside of the workplace. Become part of Orange County's Credit Union! Check out the exciting opportunities today.
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The job skills required for Mortgage Loan Officer include Financial Services, Mortgage Loans, Credit Reports, Communicates Effectively, Interviewing, etc. Having related job skills and expertise will give you an advantage when applying to be a Mortgage Loan Officer. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Mortgage Loan Officer. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Mortgage Loan Officer positions, which can be used as a reference in future career path planning. As a Mortgage Loan Officer, it can be promoted into senior positions as a Mortgage Loan Officer III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Mortgage Loan Officer. You can explore the career advancement for a Mortgage Loan Officer below and select your interested title to get hiring information.
If you are interested in becoming a Mortgage Loan Officer, you need to understand the job requirements and the detailed related responsibilities. Of course, a good educational background and an applicable major will also help in job hunting. Below are some tips on how to become a Mortgage Loan Officer for your reference.
Step 1: Understand the job description and responsibilities of an Accountant.
Quotes from people on Mortgage Loan Officer job description and responsibilities
A person seeking to become a mortgage broker must be at least 18 years old.
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All state-licensed loan originators must pass a national exam - required under the SAFE Act.
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For the most part though, mortgage loan officers spend their days helping people navigate an exciting time.
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Having the skills to be detail-oriented and thorough go a long way when becoming a mortgage loan officer.
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Loan Officer Assistants play an essential role on a Loan Officer’s team.
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Step 2: Knowing the best tips for becoming an Accountant can help you explore the needs of the position and prepare for the job-related knowledge well ahead of time.
Career tips from people on Mortgage Loan Officer jobs
COMPLETE FINGERPRINTS/BACKGROUND CHECK AND PAY ALL FEES.
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Connect with real estate agents.
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START GENERATING LOANS WITH TEAM MORTGAGE CALCULATOR CO.
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Step 3: View the best colleges and universities for Mortgage Loan Officer.
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