Mortgage Loan Officer I

About the role

This position is 100% onsite in our Napa location.

Responsibilities

• Loan File Management: Review loan files for accuracy and completeness upon receipt. Review preliminary title report and appraisal to ensure completeness and compliance. Schedule loan signing appointments with Members while confirming loan document orders. Consult with Members on at least a weekly basis regarding the status of their loan. Recognize and propose changes in the workflow to maintain maximum efficiency. Develop and utilize pipeline management system with loan processor to ensure high quality Member service. Prepare closing document order forms and ensure loan files are closed according to RCU standards.
• Member/Branch Education Support: Counsel Members on loan requirements and matters affecting the granting of loans. Discuss loan options and programs that will benefit each Member. Recommend action steps to Members that help them qualify for a loan. Train staff on the fundamentals of mortgage lending and requirements to obtain a loan from RCU. Perform branch visits to assist in training co-workers.
• Special Projects and Other Functions: Research and resolve Member or team member concerns as directed. Discuss loan products and services at special events such as home show and first-time homebuyer seminars. Compose and type letters, memos and reports for staff and Members as needed. Provide general assistance to management in completing tasks and projects. Examine loan files prior to auditing to ensure accuracy and compliance.

Qualifications

• Knowledge, Skills and Abilities: Knowledge of internet-based loan origination software. Knowledge of basic residential mortgage loan products. Knowledge of real estate principles, practices, rules, and regulations. Knowledge of secondary market investor guidelines and compliance requirements. Skill, aptitude, and interest in sales. Skill in the operation of a PC with word processing and spreadsheet software, and Internet/intranet access. Ability to communicate effectively, both verbally and in writing. Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union team members. Ability to act independently and confidentially, using discretion and tact. Ability to analyze situations and recommend workable solutions. Ability to coordinate a variety of activities and prioritize work. Ability and desire to work in a team environment. Ability to work a rotating schedule which will include working on rotating Saturdays.
• Licenses and Certifications: Ability to obtain and maintain registration with the National Mortgage Licensing System and Registry in compliance with the requirements of Federal Law, including the SAFE ACT and NCUA part 761.

Skills

• Knowledge of internet-based loan origination software.
• Knowledge of basic residential mortgage loan products.
• Knowledge of real estate principles, practices, rules, and regulations.
• Knowledge of secondary market investor guidelines and compliance requirements.
• Skill in the operation of a PC with word processing and spreadsheet software, and Internet/intranet access.
• Ability to communicate effectively, both verbally and in writing.
• Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union team members.
• Ability to act independently and confidentially, using discretion and tact.
• Ability to analyze situations and recommend workable solutions.
• Ability to coordinate a variety of activities and prioritize work.
• Ability and desire to work in a team environment.
• Ability to work a rotating schedule which will include working on rotating Saturdays.

Benefits

Join us and discover why you'll love working at Redwood Credit Union!

Pay

Base starting range: $30.00 to $38.00 per hour commensurate with experience.

Schedule

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.