Real Estate Loan Officer

ABOUT THE ORGANIZATION

Billion-dollar credit union serving nearly 80,000 members throughout California's beautiful Central Valley is looking for a Freelance Graphic Designer. For over 70 years we have been providing superior service for our members and community. As a not-for-profit financial cooperative we believe in banking with a purpose and therefore annually return millions of dollars to our members in the form of better rates, lower fees, and access to fair credit. We pride ourselves in helping our members achieve their financial dreams. At the end of the day, we are optimists, partnering with our members and community to empower a brighter future. Together, we believe we are doing great things for the community we call home.

Description

The Real Estate Loan Officer is responsible for originating real estate loans while delivering exceptional member service. This role requires registration with the National Mortgage Licensing System (NMLS). The officer actively engages with members, identifies their needs, and provides tailored lending solutions. Fluency in Spanish is required to serve diverse member populations effectively, and maintaining a book of business is highly desirable.

• Demonstrates a highly motivated, positive, outgoing, influential personality with a strong emphasis on sales and results to ensure the Credit Union maximizes lending and sales opportunities.
• Conduct interviews with members to determine their financial needs and recommend suitable real estate loan options.
• Analyze loan applications, including reviewing credit reports, income documentation, and other financial information.
• Mine credit report exploring additional cross-selling opportunities.
• Ensure accurate and timely submission of applications for underwriting and approval.
• Assist members in understanding real estate products and the lending process.
• Register with the National Mortgage Licensing System (NMLS) to originate home equity and first mortgage loan requests.
• Adhere to all regulatory and compliance requirements, including the SAFE Act, RESPA, TILA, and HMDA.
• Stay updated on federal, state, and local lending regulations and ensure all activities meet compliance standards.
• Deliver exceptional service by guiding members through the loan process and addressing their questions or concerns.
• Provide financial education to members about real estate loan products, including first-time homebuyer programs.
• Handle escalated member inquiries about real estate loans and identify solutions to meet their needs.
• Build and maintain a book of business by developing relationships with realtors, builders, and other referral sources.
• Represent the credit union at community events, home buyer workshops, and member outreach programs.
• Promote the credit union’s brand and products within the community to attract new business.
• Maintain detailed and accurate loan files, ensuring all required documentation is collected and properly recorded.
• Prepare and present reports on loan performance, pipeline status, and outreach activities.
• Collaborate with internal departments, including underwriting and processing teams, to ensure efficient loan closures.
• Mentor and support other team members in understanding real estate lending processes and products.
• Participate in team meetings to share best practices and stay updated on lending trends and credit union goals.
• Other duties as assigned by Lending leadership.

Education, Experience & Skills

• A high school diploma or GED is required; a bachelor’s degree in finance, business administration, or a related field is preferred.
• A minimum of 2–3 years of experience in real estate lending, mortgage origination, or financial services.
• Experience managing a book of businesses is highly desirable.
• Proven track record of meeting or exceeding loan origination goals.
• Bilingual (Spanish/English) fluency is required.
• Active NMLS registration or ability to obtain NMLS registration before employment.
• Thorough understanding of federal and state real estate lending regulations, including FHA, VA, and conventional loan guidelines.
• Strong analytical skills to assess member financial situations and recommend suitable loan products.
• Excellent interpersonal, communication, and customer service skills.
• Proficiency in Microsoft Office Suite and loan origination systems.
• Detail-oriented with the ability to manage multiple loan files and deadlines.
• A proactive approach to problem-solving and decision-making.
• Commitment to the credit union’s mission and values, including serving the community and improving members’ financial well-being.

Pay Range & Work Schedule

• This position is a Tier 8 with an hourly range of $23.92 to $35.88 (with opportunity to earn incentives)
• The anticipated pay rate for new hires is between the low-end and midpoint of the range, depending on experience
• The pay rates listed above are based upon the geographic location of our Administrative Offices in Modesto, CA using the greater Central Valley area for our pay range calculations
• Full Time, typically 36-40 hours per week. Schedule will be based around departments needs but will typically be:
• Monday to Friday- 8:30am-5:30pm
• Flexibility to occasionally work early or late hours, typically with advance notice

Mental/Emotional Requirements

• Technical aptitude to understand complex programs and applications.
• Displays courtesy, tact, and diplomacy during personal contact with others inside and/or outside of the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
• Strong written, verbal, and interpersonal skills.
• Detail-oriented, organized, accurate and ability to adapt to change. Excellent decision making and time management skills.
• Well-developed analytical and problem-solving skills. Ability to trouble-shoot problems and research capabilities of current or proposed products.

Physical Requirements

• Exert up to 50 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects.
• Sedentary work involves sitting most of the time.
• The incumbent is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; typing; viewing a computer screen and reading.
• Climb/descend stairs in an emergency situation.
• Operate routine office equipment including personal computers, copy machines, mobile and landline phones, calculator and others as needed.
• Maintain working on a computer for six to eight hours daily, on average.
• Work extended hours if required or requested by management.
• Regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Other Requirements

• Perform job functions independently, or with limited supervision, and work effectively either on own or as part of a team.
• Read and carry out various written instructions and follow oral instructions.
• Speak clearly and deliver information in a logical and understandable sequence.
• Effectively handle multiple, simultaneous, and changing priorities.
• Exercise highest level of discretion on both internal and external confidential matters.