Loan Officer

Evaluate borrower financial information

Evaluate borrower financial information to determine eligibility and appropriate loan products in alignment with organizational guidelines.

Guide borrowers through the loan application process

• Provide clear communication, education, and support.
• Analyze complex financial data, credit reports, income documentation, and assets to identify risks or approval conditions.
• Recommend solutions for borrowers with varied or challenging circumstances by applying broad lending expertise.

Update loan origination systems

• With accurate borrower information, notes, and documentation.

Collaborate with cross-functional partners

• To ensure accuracy, consistency, and regulatory alignment.

Resolve issues, expedite files, and maintain loan pipeline progress

• Interpret policies, lending regulations, and product requirements to ensure compliant loan recommendations.
• Resolve difficult borrower or file issues by applying prior experience and analytical judgment.

Provide guidance, coaching, and support

• To team members or less experienced lending staff.

Contribute to continuous improvement

• Identify workflow gaps or recommend process enhancements.

Education & Experience

• Minimum of 5 years of relevant experience in consumer lending, loan origination, or lending sales, or equivalent experience.
• Bachelor’s degree in business, finance, sales, or a related discipline, or equivalent education.
• Experience originating and managing complex consumer loan transactions.
• Be licensed for loans in California.

PREFERRED EXPERIENCE

• In consumer lending sales or multi-product lending environments.
• Familiarity with loan origination systems, pricing engines, or financial analysis tools.
• Proven ability to manage a loan pipeline and meet production goals.

Skills & Competencies

• Broad knowledge of lending products, underwriting principles, and regulatory requirements.
• Strong analytical skills to assess complex borrower financial scenarios.
• Excellent communication and customer service skills for guiding borrowers through the loan process.
• Ability to work independently and make sound decisions using established guidelines.
• Problem-solving skills for addressing difficult or multifaceted loan issues.
• Strong organizational skills and ability to manage multiple applications simultaneously.
• Ability to influence and collaborate with internal partners across multiple job areas.
• Skill in coaching and supporting team members.
• Proficiency with lending systems, financial software, and documentation tools.
• Commitment to accuracy, confidentiality, and high-quality borrower experience.

Working Conditions

• Work is performed in a general office or remote-office environment with regular use of computers, loan origination systems, and communication tools.
• Workload may fluctuate based on borrower demand, loan cycles, and internal deadlines.
• Occasional onsite meetings or training sessions may be required.
• Mild travel may occur for team collaboration or professional development.

Physical Requirements

• Ability to sit for extended periods while reviewing borrower information and completing documentation.
• Ability to lift and carry light materials such as files or office supplies.
• Ability to operate computers, communication tools, and financial systems regularly.
• Ability to move throughout office or meeting environments as needed.
• Ability to maintain concentration during detailed review and analysis tasks.

Compensation

Base Salary $17.75 per hour + comissions
FLSA Status Non-Exempt
Bonus Type None
Comprehensive Benefits Package

• Competitive Compensation
• Comprehensive coverage includes medical, dental, and vision insurance options, as well as Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
• Financial Future
• Access a 401(k) retirement savings plan.
• Time Off
• Includes vacation, sick leave, paid holidays, and other leave types (bereavement, jury duty, FMLA, military leave).
• Insurance & Protection
• Company-provided life insurance, accidental death and dismemberment (AD&D) insurance, and short- and long-term disability coverage are included.
• An employee assistance program (EAP) is also available.

Exclusive Perks & Discounts

• Homeownership & Financing
• Take advantage of exclusive home purchase and financing discounts.
• Pet Insurance
• Enjoy discounted group pet insurance rates.