Real Estate Loan Officer

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    "requisitionDescription": "<div><div><div><div><div><strong><span style=\"font-size: 14px;\">Working for Pacific Service Credit Union</span></strong><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">&nbsp;</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\"><strong>What&rsquo;s in it for you?&nbsp;</strong></span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">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.&nbsp;</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">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.&nbsp;All employees are vested at 100% for the employer match beginning the first day of employment.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Bonus program: All employees are rewarded for attaining our annual organizational goals.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Tuition Reimbursement program for employees eligible after six months of service.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Recognition program where employees can be nominated by management, their peers or by members.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Employee referral bonus.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Employees are eligible to receive a consumer loan rate discount&nbsp;</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Vacation and sick time: Full-time employees receive more than two weeks&rsquo; vacation per year, 11 paid holidays and 10 days of sick leave.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">&nbsp;</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\"><strong>Our Hiring Process</strong></span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">We believe it&rsquo;s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Apply: Submit your resume for one of our job openings.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">Our Talent Team and our partner &ndash; Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible.</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">In-Person Interview: After a screening call with TQC, we&rsquo;ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s).</span></p><p style=\"line-height: 1;\"><span style=\"font-size: 14px;\">If we believe that you have what it takes, we&#39;ll make an offer and provide next steps in the hiring process!</span></p><p><span style=\"font-size: 14px;\"><br></span></p><p data-pasted=\"true\"><strong>About this Role</strong></p><p>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.&nbsp;</p><p>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&ndash;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. &nbsp;</p><p>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. &nbsp;</p><p><br></p><p><strong>Essential Job Functions</strong></p><ul><li>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.</li><li>Develop and maintain strong relationships with credit union members by delivering guidance, expertise, and ongoing support through the loan application process.</li><li>Collect, review, and analyze borrower financial data to determine loan eligibility and appropriate lending solutions.</li><li>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.</li><li>Ensure all loan applications are complete, accurate, and compliant with internal policies, regulatory requirements, and applicable secondary market standards.</li><li>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.</li><li>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.</li><li>Utilize automated underwriting systems, such as Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Prospector (LP), interpreting &nbsp;findings to build a high-quality loan portfolio.</li><li>Assist in promoting purposeful and productive member engagement by identifying additional financing needs and capturing opportunities to upsell or cross-sell.</li><li>Demonstrate professionalism and discretion when handling difficult or sensitive member situations.</li><li>Consistently document member communications and loan activity within the Loan Origination System (LOS) to ensure accurate recordkeeping and effective communication.</li><li>Collaborate effectively with processors, closing staff, and management to ensure timely, accurate, and efficient loan processing.</li><li>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.</li><li>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.</li><li>Support and uphold company culture by aligning your work with the credit union&rsquo;s mission and values, contributing to a positive, high-performing environment.</li><li>Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success.</li><li>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.</li></ul><p><br></p><p><strong>Supporting Functions</strong></p><ul><li>Provide back-up and support to management, as directed.</li><li>Performs special projects and other responsibilities, as directed.</li></ul><p><strong>Competencies</strong></p><p>The following competencies are essential for success in this role:</p><p>Job knowledge: Demonstrates solid job expertise; learns and applies new skills effectively; works with minimal supervision; understands how work impacts others; uses resources efficiently.</p><p>Effective communication: Communicates clearly and concisely; tailors messages to audience needs; engages listeners; keeps stakeholders informed.</p><p>Problem solving: Identifies issues early; gathers and analyzes information effectively; develops alternatives; resolves problems promptly; contributes productively to group solutions.</p><p>Quality of work: Delivers accurate, thorough work; proactively reviews processes; prevents recurring issues; ensures deliverables meet all standards, expectations, and deadlines.</p><p>Member focus: Shows courtesy and professionalism; manages difficult situations constructively; meets commitments; responds promptly; seeks feedback to improve service.</p><p>Collaboration: Builds strong working relationships; demonstrates tact and professionalism; supports others; works cooperatively; helps resolve conflicts productively.</p><p>Execution: Translates strategy into action; pursues goals with focus and urgency; commits the necessary effort; implements plans efficiently and delivers results within required timeframes.</p><p><br></p><p><strong>Required Minimum Qualifications&nbsp;</strong></p><p><strong>Education:</strong></p><ul><li>High school diploma or equivalent, required.</li><li>College degree or equivalent work experience, preferred.</li></ul><p>&nbsp;</p><p><strong>Experience:&nbsp;</strong></p><ul><li>Minimum of five (5) years in a real estate related role, including at least two (2) years generating self-sourced business, required.</li><li>Sales experience, required.</li><li>Proven success of consistently meeting or exceeding individual and organizational professional goals.</li><li>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.</li><li>Excellent oral and written communication skills, required.</li><li>Must be proficient in computer programs (e.g., Microsoft Office Suite).</li></ul><p><br></p><p><strong>Preferred Qualifications&nbsp;</strong></p><ul><li>Strong credit and general financial analysis experience.</li><li>Advanced ability to research, analyze, and report information on market conditions including competitive product and service offerings.</li><li>Continually develop and maintain advisory and consultative home loan skills.</li><li>Working knowledge of the secondary mortgage market and applicable government lending programs.</li></ul><p>&nbsp;</p><p><strong>Physical Requirements&nbsp;</strong></p><p>Hearing: Ability to hear and comprehend spoken communication in person and over the phone.</p><p>Vision: Ability to view computer screens and read documentation with clarity and accuracy.</p><p>Verbal Communication: Ability to speak clearly and effectively to interact with colleagues and/or members. Frequent use of telephone headset may be required.</p><p>Manual Dexterity: Proficient use of hands and fingers for typing, operating office equipment, and handling documents.</p><p>Posture and Endurance: Ability to sit or stand at a workstation for extended periods; adjustable sit/stand desk options may be available to support comfort.</p><p>Mobility: Ability to move within the office environment to attend meetings or assist colleagues, as needed.</p><p>Lifting and Carrying: Occasionally required to lift and carry materials weighing up to 30 lbs.</p><p><br></p><p><strong>Other Information&nbsp;</strong></p><p><strong>Hours Required:&nbsp;</strong></p><p>A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m., with some alternate work schedules. This position is eligible for the credit union&#39;s telecommute policy.&nbsp;</p><p><strong>Travel Requirements:&nbsp;</strong></p><p>Less than 5% local travel, required. Limited travel during the work schedule, primarily for training, meetings, or special projects.&nbsp;</p><p><strong>Work Environment:&nbsp;</strong></p><p>This position is based in a climate-controlled office environment with ergonomic workstations in a two-story building with an elevator. Subject to standard background noise found in an office environment. Natural light from large windows, supplemented by artificial lighting to ensure a comfortable working atmosphere.&nbsp;</p><p><br></p><p><strong>Disclaimer&nbsp;</strong></p><p>This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.&nbsp;</p></div></div></div></div></div>\n",
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