Real Estate Originations - Senior Home Equity Loan Specialist

About the role

Serve as a trusted advisor to members, processing and originating HELOC and Fixed-Rate Second Mortgage loans while acting as a subject matter expert for the Home Equity team.

Enjoy working with complex income scenarios, title issues, and high-profile transactions while mentoring others and helping drive operational excellence.

Responsibilities

• Originate, process, and submit HELOC and Fixed-Rate Second Mortgage loans for underwriting review and approval.
• Serve as a trusted advisor by educating members on available Home Equity products and recommending solutions that meet their financial goals.
• Review and analyze loan applications, credit reports, income documentation, tax returns, debt-to-income calculations, loan-to-value ratios, and property valuations.
• Handle complex loan files, including high-profile member transactions, employee loans, challenging customer service situations, and non-traditional income scenarios.
• Cook up title issues, request lien releases, and coordinate escrow activities.
• Prepare closing instructions and loan documents while ensuring compliance and accuracy throughout the closing process.
• Manage loan pipelines and maintain proactive communication with members from initial application through closing.
• Deliver disclosures, provide pricing quotes, lock rates, discuss payment options, and cross-sell relevant products and services.
• Act as a resource and mentor to team members by providing training, guidance, and support on Home Equity products, systems, and procedures.
• Aid in process improvements, training development, policy updates, and operational enhancements.

Requirements

• High School Diploma, GED, or equivalent
• Minimum 4 years of FNMA/FHLMC mortgage processing experience
• Minimum 2 years of current Home Equity loan processing experience
• Strong knowledge of HELOCs, second mortgages, and Home Equity lending
• Experience reviewing and interpreting Title Reports and Title Policies
• NMLS registration (or ability to obtain and maintain registration)
• Successful completion of federal background screening requirements
• Knowledge of applicable lending regulations and compliance requirements

Preferred Skills

• Advanced income analysis, including self-employed borrower review
• Strong understanding of title, escrow, vesting, and lien documentation
• Excellent verbal and written communication skills
• Outstanding customer service and relationship-building abilities
• Strong organizational and time management skills
• Ability to manage multiple priorities in a high-volume environment
• Strong attention to detail and problem-solving capabilities
• Experience with the following systems: Mortgage Cadence, Symphony Portal, Symitar, OnBase, Imagility, Digital and Finale Documents, Microsoft Office Suite (Excel, Word, Outlook), Title and escrow platforms

Benefits

• Competitive compensation
• 18 days of PTO during your first year
• 12 paid holidays annually
• Full 6% 401(k) match
• Comprehensive medical, dental, and vision coverage
• Life insurance and additional voluntary benefits
• Employee wellness resources, including an on-site gym
• Career development opportunities
• An award-winning workplace culture

Pay

$25.00 - $30.00 hourly

Actual compensation within this range will be determined by factors including experience, qualifications, skills, internal equity, and other job-related considerations permitted by law.

Schedule

Hybrid

Location: San Diego, CA