Enterprise Lending Officer - San Francisco

About the Role

This position is responsible for providing Consumer Lending advice to new-to-bank clients and external business development. Key responsibilities include applying mortgage lending principles and familiarity with Realtor, Builder, and Community contacts local to the market. The role requires a successful track record of delivering lending services to clients by demonstrating an understanding of credit, lending guidelines, and the mortgage process. This position may be responsible for the provision of residential mortgage loans and is subject to SAFE Act registration requirements.

Responsibilities

• Provides exceptional client care by offering advice-oriented solutions with Consumer Lending and Core Banking products.
• Engages in community development, outside sales activities, and external networking to responsibly grow client and market share.
• Understands lending processes and credit guidelines to develop tailored solutions for each client's needs.
• Manages daily client and loan pipelines with organization, follow-up, and collaboration with loan fulfillment partners.
• Leverages digital solutions, providing clients with choices in preferred service pathways.
• Maintains and adheres to all federal and state regulations and bank operational requirements, delivering compliant client advice and fulfilling financial goals.

Requirements

• 3+ years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable, established network of referral sources.
• Demonstrated understanding of effectively managing a pipeline to deliver an exceptional client experience.
• Strong knowledge of loan products: Conventional, Jumbo, and Government.
• Demonstrated ability to understand, analyze, and document income, assets, and liabilities to qualify clients for specific loan products.
• Demonstrated understanding of processing, underwriting, and/or closing procedures.
• Working knowledge of federal regulations governing real estate lending.
• Ability to source clients independently and generate business from external Centers of Influence, real estate professionals, builders, and other external referral partners in a compliant manner within bank policy.

Skills

• Business Development
• Client Management
• Customer and Client Focus
• Prospecting
• Risk Management
• Account Management
• Client Solutions Advisory
• Credit and Risk Assessment
• Pipeline Management
• Referral Identification
• Attention to Detail
• Credit Documentation
• Issue Management
• Networking
• Relationship Building
• Strong written and verbal communication
• Self-motivated and highly organized
• Ability to prioritize multiple competing tasks
• Flexibility to work weekends and/or extended hours as needed to serve clients

Desired Experience

• Familiarity with FHA and HUD guidelines.
• Strong computer skills, including MS applications and experience utilizing laptop technology for communication and accessing rate, credit, and loan status information.
• Solid time management skills and the ability to organize, prioritize, and perform multiple tasks simultaneously.
• Ability to analyze and comprehend complex financial data and provide financial alternatives.
• Professional and effective interpersonal skills.
• Ability to take ownership, accountability, and demonstrate integrity.
• Adaptability and flexibility.
• Positive attitude and effective communication styles.

Qualifications

• High School Diploma / GED / Secondary School or equivalent.
• SAFE Act registration is required; employees must register with the federal registry system and remain in good standing. Failure to maintain registration may result in disciplinary action up to and including termination.

Schedule

• 1st shift (United States of America).
• 40 hours per week.