Senior Real Estate Loan Officer

• Do you have 5 years of experience as a Real Estate Loan Officer, with knowledge of current disclosure policies?
• Do you have a complete understanding of real estate loan analysis, underwriting, and decision-making?
• Would you like to work at a collaborative organization that thrives on providing outstanding member service both internally and externally?
• Would you like to work at a multi-faceted, dynamic organization that thrives on teamwork and collaboration?

If so, we’d love to talk with you about San Mateo Credit Union’s Senior Real Estate Loan Officer Position!

Located in the heart of the Bay Area, San Mateo Credit Union is a community-centric and growth-orientated organization that is one of the most unique and special providers of financial products, services and education in the area. We recently surpassed $1.5 billion in assets and are experiencing record-breaking performance results. Our future is bright with promise!

POSITION SUMMARY

The Senior Real Estate Loan Officer is responsible for increasing the credit unions mortgage loan portfolio by developing strategic business partners, attracting new mortgage customers, working with current members, submitting complete loan files, manage individual loan pipeline, while upholding company standards and ethics. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the member’s needs.

PRIMARY RESPONSIBILITIES

• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
• Must maintain a valid registration with the National Mortgage Licensing System & Registry
• Submits completed loans to the department manager with recommendations as to the approval or denial of each loan. If a loan is denied, notifies the borrower and completes all necessary compliant documentation to the member(s)
• Demonstrates effective face-to-face and telephone interviewing skills and techniques, including the ability to discuss loan denials, loan alternatives, interest rates, and follow-up items. Responds to member inquiries and requests (i.e., Real Estate loan payments, loan amount qualifications.
• Refers members to various credit union products including consumer loans, IRAs, checking accounts, term certificates, credit cards and ATM services
• Collaborates well with team members to create a great member experience throughout the loan process
• Performs other related duties as assigned by Real Estate Sales Manager.
• Provides service that aligns with the Credit Union’s mission of passionately delivering relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

PHYSICAL DEMANDS

The physical demands and work environment characteristics described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to accommodate individuals with disabilities to perform the essential functions.

• While performing duties of the job, employee may be required to use frequent physical activities include sitting, standing, reaching, walking, talking, bending, and constant use of hands.
• Employee must occasionally lift and/or move up to 5 pounds.
• Employee must occasionally work before/after the regular work shift.
• These activities are not necessarily performed to the same degree and combination every day.

FANTASTIC BENEFITS!

SMCU reflects the value placed on employees by providing the following impressive benefits in addition to competitive salary:

• Medical, Dental, Vision, Life, and Long-Term Disability Insurances!
• 401(k) including generous matching contributions!
• Semi-annual bonuses for meeting key financial and operational goals!
• Discounts on financial products and services, including loans!
• Paid time off, tuition reimbursement, and much more!

Apply Now for Consideration!

San Mateo Credit Union is an Equal Opportunity Employer.

Please note, we do not offer relocation assistance for this role.

QUALIFICATIONS

• Minimum of 5 years’ experience in mortgage origination. Background should include both 1st and 2nd mortgage real estate lending.
• Minimum of 5 years’ experience as real estate loan officer, with knowledge of current disclosure policies.
• Complete understanding of real estate loan analysis, underwriting and decision-making.
• Ability to communicate effectively with credit union members, assessing member needs and identifying cross sell opportunities within the credit union that best satisfies the members financial needs.
• Knowledge of credit fundamentals.
• Organized and able to handle high volume of work; excellent time management skills.
• Proficient use of a personal computer with Windows-based programs.
• Must demonstrate a positive attitude and commitment to getting the job done.

Mandatory Vaccination Policy: As a condition of employment, new hires must be fully vaccinated against COVID-19 on or before the first day of employment (subject to legally mandated exceptions).