Loan Officer

About Us

The Sekisui House U.S. team is a proud builder of the SHAWOOD, Richmond American, Woodside, Holt, Hubble, and Chesmar brands. We take great pride in being a member of Sekisui House, a global leader in homebuilding with over 60 years of experience and more than 2.6 million new homes built. Our mission is to create homes that reflect and adapt to the changing needs of today's homebuyers, ensuring joyful, safe, secure, stylish, and comfortable living. We foster a company culture that promotes professionalism, teamwork, health & wellness, and work-life balance.

About the Role

This position guides borrowers through the lending process by evaluating loan needs, reviewing financial information, and recommending appropriate loan solutions. The role operates independently under limited supervision, applying broad lending knowledge to assess complex scenarios, interpret guidelines, and resolve issues during the application lifecycle. You will collaborate with cross-functional partners to ensure accuracy, consistency, and regulatory alignment while providing support, coaching, and guidance to team members to enhance overall lending performance.

Responsibilities

• Evaluate borrower financial information to determine eligibility and appropriate loan products in alignment with organizational guidelines.
• Guide borrowers through the loan application process, providing 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 processors, underwriters, and closing staff to 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 by identifying workflow gaps or recommending process enhancements.

Requirements

• 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.
• Licensed for loans in California.

Preferred Qualifications

• 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. Minimal 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.

Pay

Base Salary: $17.75 per hour + commissions. FLSA Status: Non-Exempt.

Benefits

• Competitive Compensation: Performance-based rewards and results-driven compensation structure.
• Health & Wellness: Comprehensive medical, dental, and vision insurance options, Health Savings Accounts (HSA), and Flexible Spending Accounts (FSA).
• Financial Future: Access to a 401(k) retirement savings plan.
• Time Off: 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, short- and long-term disability coverage, and an employee assistance program (EAP).
• Exclusive Perks & Discounts: Homeownership and financing discounts, as well as discounted group pet insurance rates.