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About the Role

The External Mortgage Loan Officer is responsible for originating residential mortgage loans, home equity lines of credit (HELOCs), and home equity loans while delivering exceptional service to members. This role focuses on building relationships, generating loan applications, and guiding members through the mortgage process from application to closing, ensuring compliance with all regulatory requirements and contributing to the growth of the Credit Union’s mortgage lending portfolio.

Responsibilities

Originate mortgage loans and HELOCs to meet individual production goals and contribute to overall team targets.
Develop and maintain relationships with real estate agents, builders, and other referral sources to generate leads.
Actively prospect for new business through networking events and community engagement.
Provide expert guidance to members throughout the mortgage application and closing process, ensuring a smooth and positive experience.
Maintain thorough knowledge of mortgage products, rates, and lending policies to recommend appropriate solutions to members.
Ensure compliance with all federal, state, and local regulations governing mortgage lending activities.
Collaborate with internal departments including underwriting, processing, and closing to ensure timely and accurate loan fulfillment.
Maintain an active pipeline and manage loan files to meet deadlines and service standards.
Participate in community and industry events to promote the Credit Union’s mortgage services and build brand awareness.
Stay informed on market trends, competitor offerings, and regulatory changes affecting mortgage lending.
Uphold service level standards and contribute to performance metrics such as loan production, conversion rates, and member satisfaction.

Requirements

Minimum of three (3) years of experience in residential mortgage lending or financial services.
Proven track record of successful mortgage loan origination and relationship building.
Active NMLS registration required, with strict adherence to all applicable regulatory and licensing requirements.
This role requires the individual to maintain licensure in good standing and to proactively secure, transfer, or assign all necessary licenses to San Francisco Federal Credit Union to support business activities in required markets.
Strong knowledge of mortgage lending regulations including Reg Z, Reg B, ECOA, FACTA, RESPA, and SCRA.
Excellent verbal and written communication skills.
Ability to work independently in a fast-paced, results-driven environment.
Strong interpersonal and public relations skills with a professional demeanor.
Proficiency in loan origination systems and Microsoft Office Suite.
Bachelor’s degree in business, finance, or related field preferred; equivalent experience considered.
Familiarity with systems such as Encompass, Keystone, and core banking platforms.
Customer-focused mindset and service orientation.

Skills

Mortgage loan origination
Relationship building
Networking
Community engagement
Mortgage product knowledge
Lending policy knowledge
Regulatory compliance
Loan origination systems
Microsoft Office Suite
Interpersonal skills
Public relations skills

Location

Golden Gate - San Francisco, CA 94102

Work Type

Full Time

Experience Level

3 years of experience in residential mortgage lending or financial services

Education Level

Bachelor’s degree in business, finance, or related field preferred; equivalent experience considered.

Salary/Compensations

$27.00 - $30.00 Hourly

Benefits

Health insurance plans
Generous PTO
401(k) Plan
Profit sharing
Competitive base
Bi-annual bonuses
Tuition reimbursement

About the Company

With an “A” health rating and solid year-over-year growth, San Francisco Federal Credit Union’s (SFFedCU) membership is now over 43,000 with assets surpassing $1.3 billion and branches located in San Francisco and San Mateo County.
Continuing along its highly successful growth trajectory, SFFedCU is seeking an External Mortgage Loan Officer for our Golden Gate Branch in San Francisco.
You’ll work alongside a passionate team in a mission-driven organization, get exposure to executive decision-making, and grow your skills across a broad range of functions.

Equal Opportunity

SFFedCU is an Equal Employment Opportunity Employer.
In accordance with federal and state laws, SFFedCU does not discriminate in employment because of race, color, religion, sex, national origin, age, physical and mental disability, marital status, pregnancy, childbirth, breastfeeding or related condition, ancestry, medical condition (associated with cancer, a history cancer or genetic characteristics), veteran or military status, sexual orientation, gender, gender identity or gender expression, HIV/AIDS status, genetic information or any other characteristic protected by law.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.