Home › Companies › Aa0c3946 8e82 4ab2 B49b 6b29f32ad8d6 9200039554925 2 › Commercial Real Estate Loan Originator
Commercial Real Estate Loan Originator
Aa0c3946 8e82 4ab2 B49b 6b29f32ad8d6 9200039554925 2 · San Jose, CA, US, San Jose, CA · Active · $150,000–$375,000 / year · ADP Workforce Now Recruiting
Job facts
| Field | Value |
|---|---|
| Company | Aa0c3946 8e82 4ab2 B49b 6b29f32ad8d6 9200039554925 2 |
| Title | Commercial Real Estate Loan Originator |
| Normalized title | - |
| Department / team | - |
| Location | San Jose, CA, United States |
| Work model | - |
| Employment type | - |
| Salary | $150,000–$375,000 / year |
| Status | active |
| ATS provider | ADP Workforce Now Recruiting |
| Posted / first seen | 2026-04-27 / 2026-05-31 |
| Changed / last seen | 2026-06-06 / 2026-06-06 |
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| ATS provider jobs | Active postings observed through ADP Workforce Now Recruiting. | Open |
| Provider filtered search | The same provider as a filtered job collection. | Open |
| City jobs | Active postings in San Jose. | Open |
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| Original posting | Canonical source or apply URL captured from the ATS. | Open |
Linked records
| Company | Aa0c3946 8e82 4ab2 B49b 6b29f32ad8d6 9200039554925 2 |
| Source | e5ad29f3-143c-40cf-92c2-c94bbda43e1a |
| ATS provider | ADP Workforce Now Recruiting |
Description
The Commercial Real Estate (CRE) Loan Originator is an outside sales role focused exclusively on sourcing, structuring, and closing income-producing CRE loans on behalf of KeyPoint Credit Union. This position carries no base salary and offers unlimited commission earnings tied directly to closed and funded loan volume. It is designed for a highly motivated, entrepreneurial CRE lending professional with an established market presence and a proven ability to generate deal flow independently.
The Loan Originator will develop and manage a broad network of commercial real estate brokers, listing and buyer’s agents, mortgage brokers, investors, attorneys, CPAs, and other centers of influence to drive origination activity. Target loan types include office, retail, industrial, and multifamily properties, with a primary emphasis on investment and investor-owned CRE. The role operates with significant autonomy and requires sound credit judgment, deep knowledge of CRE loan structures, and the discipline to manage a high-volume pipeline from prospect to funding.
This position is 100% commission-based with no base salary. Compensation is earned exclusively on closed and funded CRE loans. There is no cap on commission earnings, providing unlimited income potential for high-producing originators. Specific commission rates and payment terms are outlined in the separate Commission Agreement.
This position is a 100% commission earned opportunity. No based pay is offered.
Responsibilities:
1. Business Development & Pipeline Management
Proactively source new CRE lending opportunities through an established network of brokers, agents, investors, attorneys, CPAs, and other centers of influence; leverage online lead sources and social media to expand deal flow. Maintain a robust, accurately staged pipeline; ensure records reflect current loan status, timing, and all material risk factors; provide regular pipeline reporting to VP, Commercial Banking. Post about business activities, successful fundings, and closings on LinkedIn and other professional platforms to build market visibility and generate inbound referrals. Represent KeyPoint Credit Union at CRE industry conferences, trade associations, and community organizations to strengthen brand presence and cultivate new relationships. Cross-sell credit union products and services—including Depository Services and Treasury Management Services (TMS)—to deepen commercial member relationships. Develop formal and informal strategic partnerships with referral sources to create a consistent, scalable pipeline. 2. Loan Origination & Structuring
Originate CRE mortgage loans across office, retail, industrial, and multifamily (5+ units) asset classes, with an emphasis on investment and investor-owned properties. Conduct preliminary underwriting analysis, including review of rent rolls, operating statements, lease abstracts, and borrower financial statements; assess DSCR, LTV, debt yield, NOI, market cap rates, and vacancy rates to determine initial deal viability. Apply expert knowledge of complex loan structures and layered business entities; quickly differentiate high-quality opportunities from marginal credits to prioritize underwriting resources. Interview CRE investors, owners, brokers, and business owners to understand financing objectives; recommend the most appropriate loan structure to meet current and future needs. Prepare term sheets, negotiate loan terms, and facilitate smooth handoffs to underwriting, processing, and closing teams. Complete loan pre-flight reviews; identify and clearly disclose exceptions to policy or credit guidelines; organize loan files and maintain all member correspondence electronically. Collect complete loan packages from applicants; assist members in understanding documentation requirements, including loan documents, membership materials, and due diligence items. Review final loan documents, business services documents, and TMS documents for accuracy and completeness prior to closing. Demonstrate expert-level familiarity with CRE loan documentation, including deeds of trust, promissory notes, business loan agreements, assignment of rents, guarantees, subordinations, SNDAs, and complex commercial leases. 3. Credit Quality & Compliance
Treat credit quality as a personal obligation; apply global debt service coverage analysis and independent judgment to every transaction; ensure all loan presentations are thorough, accurate, and well-supported. Monitor outstanding loan accounts proactively; identify early warning signs of credit deterioration and escalate concerns to VP, Commercial Banking in a timely manner. Adhere to all credit union policies, procedures, and risk controls; comply with NCUA MBL regulations, DFPI requirements, and applicable federal and state laws including ECOA and the Fair Housing Act. Maintain the appropriate balance between portfolio growth objectives and credit quality standards. Assist with internal audits, regulatory examinations, and management review requests as needed. 4. Member Service & Relationship Management
Serve as the primary point of contact for CRE loan applicants and broker partners from initial inquiry through funding; deliver a responsive, professional, and solutions-oriented experience at every stage. Respond to applicant and broker inquiries promptly; communicate proactively on loan status, conditions, and timelines to minimize friction and maintain trust. Facilitate loan closings by guiding borrowers through requirements and ensuring all documentation is complete, accurate, and submitted on time. Meet credit union and departmental goals for member service quality, profitability, and regulatory compliance as established by management. Perform additional assignments and special projects as required by management.
Physical Requirements: (Including lifting, sitting, walking, bending, reaching and squatting % of time in each function)
The workstation consists of a typical indoor cubical or office. A workday consists of sitting 75% of the time with standing 10% of the time and walking 15% of the time. The job also has some of the following for a total of no more than 1 hour each day: bending, reaching, kneeling, squatting and lifting up to 25 pounds or less.
Minimum Requirements:
Education
Bachelor’s degree in Finance, Business Administration, Real Estate, or a related field required; equivalent professional experience considered. Experience
Minimum five years of CRE lending experience with direct origination responsibility; demonstrated track record of meeting or exceeding production goals in a competitive market. Full working knowledge of income-producing CRE loan underwriting, documentation preparation, funding procedures, and applicable laws and regulations. Established referral network of CRE brokers, investors, attorneys, and other centers of influence strongly preferred. Familiarity with loan origination systems (e.g., CASH Suite) a plus. Knowledge, Skills & Abilities
Advanced knowledge of CRE cash flow analysis, underwriting fundamentals (DSCR, LTV, debt yield, NOI, cap rates), and complex loan structures involving layered business entities. Expert-level understanding of CRE loan documentation; able to read and interpret complex commercial leases, appraisals, and title reports. Working knowledge of NCUA MBL regulations, DFPI requirements, and federal fair lending laws. Excellent verbal and written communication skills; able to present complex financial information clearly to borrowers, brokers, and credit committees. Self-motivated and entrepreneurial; able to work independently with minimal supervision and manage a high-volume pipeline simultaneously. High attention to detail, creative problem-solver, and collaborative team player. Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Copilot); financial modeling skills preferred. Active presence on LinkedIn and other professional platforms; comfortable promoting business activities publicly. Desire to establish KeyPoint Credit Union as a recognized leader in the CRE loan market.
Full job record
| Job ID | 86bb1cc0f4e684916e86b4820fac55efe0d51ae8 |
| Org ID | 2b6ffb8d-5b14-42a7-b14b-4f659ed65b8e |
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| Board ID | e5ad29f3-143c-40cf-92c2-c94bbda43e1a |
| Provider | adp_workforcenow |
| Provider Job Key | 568473 |
| Title | Commercial Real Estate Loan Originator |
| Normalized Title | — |
| Status | active |
| Active | yes |
| Location Text | San Jose, CA, US, San Jose, CA |
| Department | — |
| Team | — |
| Employment Type | — |
| Workplace Type | — |
| Remote Policy | — |
| Country | United States |
| Region | CA |
| City | San Jose |
| Salary Raw | 150000.00 To 375000.00 (USD) Annually |
| Salary Min | 150,000 |
| Salary Max | 375,000 |
| Salary Currency | USD |
| Salary Period | year |
| Source URL | https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=aa0c3946-8e82-4ab2-b49b-6b29f32ad8d6&ccId=9200039554925_2&lang=en_US&type=JS&jobId=568473&jwId=9200944308607_1 |
| Apply URL | https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=aa0c3946-8e82-4ab2-b49b-6b29f32ad8d6&ccId=9200039554925_2&lang=en_US&type=JS&jobId=568473&jwId=9200944308607_1 |
| First Seen At | 2026-05-31 18:58:49Z |
| Last Seen At | 2026-06-06 13:25:29Z |
| Last Checked At | 2026-06-06 13:25:29Z |
| Last Changed At | 2026-06-06 13:25:29Z |
| Inactive At | — |
| Source Posted At | 2026-04-27 20:27:00Z |
| Source Updated At | — |
| Raw Payload Uri | s3://job-postings-prod-raw-590183727216/raw/provider=adp_workforcenow/board=aa0c3946-8e82-4ab2-b49b-6b29f32ad8d6|9200039554925_2/date=2026-06-06/2026-06-06T13-25-28-706Z-3725625c89b6de86e3371de4327898ae9f990053069b84ba993f38bcf2480d98.json |
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"requisitionDescription": "<div><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-bottom:6.0pt;' data-pasted=\"true\"><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#4C4C4E;'>The Commercial Real Estate (CRE) Loan Originator is an outside sales role focused exclusively on sourcing, structuring, and closing income-producing CRE loans on behalf of KeyPoint Credit Union. This position carries no base salary and offers unlimited commission earnings tied directly to closed and funded loan volume. It is designed for a highly motivated, entrepreneurial CRE lending professional with an established market presence and a proven ability to generate deal flow independently.</span></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-bottom:6.0pt;'><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#4C4C4E;'>The Loan Originator will develop and manage a broad network of commercial real estate brokers, listing and buyer’s agents, mortgage brokers, investors, attorneys, CPAs, and other centers of influence to drive origination activity. Target loan types include office, retail, industrial, and multifamily properties, with a primary emphasis on investment and investor-owned CRE. The role operates with significant autonomy and requires sound credit judgment, deep knowledge of CRE loan structures, and the discipline to manage a high-volume pipeline from prospect to funding.</span></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-bottom:6.0pt;'><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#4C4C4E;'>This position is 100% commission-based with no base salary. Compensation is earned exclusively on closed and funded CRE loans. There is no cap on commission earnings, providing unlimited income potential for high-producing originators. Specific commission rates and payment terms are outlined in the separate Commission Agreement.</span></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-bottom:6.0pt;'><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#4C4C4E;'>This position is a 100% commission earned opportunity. No based pay is offered. </span></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><br></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;line-height:150%;'><strong><span style='font-size:13px;line-height:150%;font-family:\"Arial\",sans-serif;color:#1BAAB2;'>Responsibilities: </span></strong></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>1. Business Development & Pipeline Management</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Proactively source new CRE lending opportunities through an established network of brokers, agents, investors, attorneys, CPAs, and other centers of influence; leverage online lead sources and social media to expand deal flow.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Maintain a robust, accurately staged pipeline; ensure records reflect current loan status, timing, and all material risk factors; provide regular pipeline reporting to VP, Commercial Banking.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Post about business activities, successful fundings, and closings on LinkedIn and other professional platforms to build market visibility and generate inbound referrals.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Represent KeyPoint Credit Union at CRE industry conferences, trade associations, and community organizations to strengthen brand presence and cultivate new relationships.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Cross-sell credit union products and services—including Depository Services and Treasury Management Services (TMS)—to deepen commercial member relationships.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Develop formal and informal strategic partnerships with referral sources to create a consistent, scalable pipeline.</span></li></ul></div><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>2. Loan Origination & Structuring</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Originate CRE mortgage loans across office, retail, industrial, and multifamily (5+ units) asset classes, with an emphasis on investment and investor-owned properties.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Conduct preliminary underwriting analysis, including review of rent rolls, operating statements, lease abstracts, and borrower financial statements; assess DSCR, LTV, debt yield, NOI, market cap rates, and vacancy rates to determine initial deal viability.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Apply expert knowledge of complex loan structures and layered business entities; quickly differentiate high-quality opportunities from marginal credits to prioritize underwriting resources.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Interview CRE investors, owners, brokers, and business owners to understand financing objectives; recommend the most appropriate loan structure to meet current and future needs.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Prepare term sheets, negotiate loan terms, and facilitate smooth handoffs to underwriting, processing, and closing teams.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Complete loan pre-flight reviews; identify and clearly disclose exceptions to policy or credit guidelines; organize loan files and maintain all member correspondence electronically.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Collect complete loan packages from applicants; assist members in understanding documentation requirements, including loan documents, membership materials, and due diligence items.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Review final loan documents, business services documents, and TMS documents for accuracy and completeness prior to closing.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Demonstrate expert-level familiarity with CRE loan documentation, including deeds of trust, promissory notes, business loan agreements, assignment of rents, guarantees, subordinations, SNDAs, and complex commercial leases.</span></li></ul></div><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>3. Credit Quality & Compliance</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Treat credit quality as a personal obligation; apply global debt service coverage analysis and independent judgment to every transaction; ensure all loan presentations are thorough, accurate, and well-supported.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Monitor outstanding loan accounts proactively; identify early warning signs of credit deterioration and escalate concerns to VP, Commercial Banking in a timely manner.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Adhere to all credit union policies, procedures, and risk controls; comply with NCUA MBL regulations, DFPI requirements, and applicable federal and state laws including ECOA and the Fair Housing Act.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Maintain the appropriate balance between portfolio growth objectives and credit quality standards.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Assist with internal audits, regulatory examinations, and management review requests as needed.</span></li></ul></div><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>4. Member Service & Relationship Management</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Serve as the primary point of contact for CRE loan applicants and broker partners from initial inquiry through funding; deliver a responsive, professional, and solutions-oriented experience at every stage.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Respond to applicant and broker inquiries promptly; communicate proactively on loan status, conditions, and timelines to minimize friction and maintain trust.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Facilitate loan closings by guiding borrowers through requirements and ensuring all documentation is complete, accurate, and submitted on time.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Meet credit union and departmental goals for member service quality, profitability, and regulatory compliance as established by management.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Perform additional assignments and special projects as required by management.</span></li></ul></div><p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:0in;text-indent:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><br></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:81.0pt;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>Physical Requirements: (Including lifting, sitting, walking, bending, reaching and squatting % of time in each function)</span></strong></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:81.0pt;'><strong> </strong></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><br></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><span style='font-size:13px;font-family:\"Arial\",sans-serif;'>The workstation consists of a typical indoor cubical or office. A workday consists of sitting 75% of the time with standing 10% of the time and walking 15% of the time. The job also has some of the following for a total of no more than 1 hour each day: bending, reaching, kneeling, squatting and lifting up to 25 pounds or less.</span></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><br></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:81.0pt;line-height:150%;'><strong><u><span style='font-size:13px;line-height:150%;font-family:\"Arial\",sans-serif;color:#1BAAB2;'>Minimum Requirements:</span></u></strong></p><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>Education</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Bachelor’s degree in Finance, Business Administration, Real Estate, or a related field required; equivalent professional experience considered.</span></li></ul></div><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>Experience</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Minimum five years of CRE lending experience with direct origination responsibility; demonstrated track record of meeting or exceeding production goals in a competitive market.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Full working knowledge of income-producing CRE loan underwriting, documentation preparation, funding procedures, and applicable laws and regulations.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Established referral network of CRE brokers, investors, attorneys, and other centers of influence strongly preferred.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Familiarity with loan origination systems (e.g., CASH Suite) a plus.</span></li></ul></div><p style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin-top:8.0pt;margin-right:0in;margin-bottom:3.0pt;margin-left:0in;'><strong><span style='font-size:13px;font-family:\"Arial\",sans-serif;color:#0067B0;'>Knowledge, Skills & Abilities</span></strong></p><div style='margin:0in;font-size:16px;font-family:\"Times New Roman\",serif;'><ul style=\"margin-bottom:0in;margin-left: 17px;\"><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Advanced knowledge of CRE cash flow analysis, underwriting fundamentals (DSCR, LTV, debt yield, NOI, cap rates), and complex loan structures involving layered business entities.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Expert-level understanding of CRE loan documentation; able to read and interpret complex commercial leases, appraisals, and title reports.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Working knowledge of NCUA MBL regulations, DFPI requirements, and federal fair lending laws.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Excellent verbal and written communication skills; able to present complex financial information clearly to borrowers, brokers, and credit committees.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Self-motivated and entrepreneurial; able to work independently with minimal supervision and manage a high-volume pipeline simultaneously.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>High attention to detail, creative problem-solver, and collaborative team player.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Copilot); financial modeling skills preferred.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Active presence on LinkedIn and other professional platforms; comfortable promoting business activities publicly.</span></li><li style=\"margin:0in;font-size:16px;font-family: initial;\"><span style='font-family:\"Arial\",sans-serif;font-size:13px;color:#4C4C4E;'>Desire to establish KeyPoint Credit Union as a recognized leader in the CRE loan market.</span></li></ul></div></div>\n",
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