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About the Role

This role is ideal for a relationship-driven mortgage professional who thrives on connecting with people, building trusted partnerships, and delivering lending solutions that truly make a difference. As a Mortgage Loan Consultant, you’ll originate internal first mortgage and equity loans while actively engaging in business development efforts throughout the Bay Area. You’ll serve as a trusted advisor to our members, analyzing loan requests, recommending tailored solutions, and guiding borrowers through the mortgage process with care, expertise, and integrity. In parallel, you’ll build and maintain strong referral networks with real estate brokers, home builders, and other industry partners to sustain a healthy pipeline and long-term growth. Reporting to the Vice President of Real Estate Lending, this role offers the opportunity to originate competitive portfolio and secondary market loans while representing SF Fire Credit Union at industry events and within the broader community. Success in this role comes from being proactive, community-oriented, and motivated by purpose, not just production. At SF Fire Credit Union, this is more than a mortgage origination role. It’s an opportunity to contribute to a mission-driven organization committed to service, trust, and inclusion, while making a tangible impact on members’ lives and the communities we serve.

Responsibilities

Provides guidance and recommendations to members on appropriate real estate loan programs.
Facilitates the mortgage lending process by taking applications, providing personalized service, and consulting with the applicant on a home loan solution.
Develops new business opportunities by cultivating and sustaining relationships with real estate offices, agents, home builders, title and escrow officers, financial advisers, CPAs, and other related professionals.
Networks with professionals, family, friends, and past clients to promote the SF Fire Credit Union brand and assist homebuyers or homeowners in securing real estate financing.
Establishes and cultivates strategic partnerships with title companies, financial planners, insurance agents, banks, attorneys, and accountants to generate referrals.
Consistently engages in face-to-face meetings with professional contacts to strengthen relationships and identify new sales opportunities.
Serves as a home loan subject matter expert by staying up to date on lending programs, policies, and procedures.
Assesses borrower finances to determine creditworthiness and mortgage eligibility according to policy and regulations.
Reviews pricing choices and secures interest rates per borrower instructions.
Collaborates with Operations teams to facilitate the efficient transfer of loan applications, ensuring all required documentation is provided.
Achieves production goals by collaborating with customers and agents, using data to effectively organize and manage your business portfolio.
Keeps up with local real estate trends, competition, and updates to private and government-insured mortgage regulations.
Stays informed on industry trends, market conditions, and product offerings to provide expert advice.
Collects and analyzes information about the customer's financial situation, goals, risk tolerance, plans for the future, income, assets, debts, cash flow, and credit history.
Performs the loan origination function in a thorough and complete manner.
Adheres to Credit Union policies and procedures.

Requirements

Experience in proactively soliciting new business.
Excellent communication skills.
Ability to effectively analyze financial information.
Proven experience as a Mortgage Loan Officer or similar role, preferably with demonstrated success in generating independent business.
Deep knowledge of mortgage products, lending regulations, and compliance standards.
Strong organizational skills and ability to manage multiple clients and deadlines independently.
Self-motivated with a strong entrepreneurial spirit and ability to work remotely without direct supervision.
Good time management skills and ability to organize, prioritize, and perform multiple tasks simultaneously.
Ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports.

Skills

Mortgage origination
Business development
Relationship building
Financial analysis
Sales
Networking
Loan processing
Underwriting
Real estate trends analysis
Regulatory compliance

Location

Bay Area

Work Type

Full-time
Remote

Experience Level

1-3 years minimum
2-5 years mortgage loan officer or similar

Education Level

High school diploma or equivalent required
Associate degree or specialized training preferred

Salary/Compensations

$95,000 – $300,000 estimated total annual compensation
Base salary plus commission
No cap on commission potential

Benefits

401(k) and Employer Match
Health, Vision, Dental and Life Insurance
Annual Incentive/Bonus Program
Tuition Reimbursement Program
11 Paid Holidays + Competitive PTO package
Home & Consumer Loan Program (Discounted Rates)
Professional development and training programs
On-demand personal coaching resource
Wellness Program (Discounted Gym Membership)

About the Company

SF Fire Credit Union first opened its doors in 1951 from a modest office space. Today, the San Francisco-based credit union has grown to $1.7B in assets and a membership that extends from regional firefighters throughout San Francisco, San Mateo and Marin Counties.
Members benefit from shared trust, continuous innovation of products and services, competitive rates, and excellent member service.
Values include: Be Personal, Be a Leader, Be Outside the Box, Be Real, Be the Connection.
Culture defaults to trust, embraces feedback, and desires to innovate.
Vision is to help empower members to accomplish their dreams and build lasting financial security.
Work environment feels like a big family with pot luck lunches, birthday celebrations, and after-hours get-togethers.
Values a good sense of humor, is motivated by a higher purpose, and brings an 'in-this-together' attitude.
Driven to do great work while valuing real work/life balance.
A mission-driven organization committed to service, trust, and inclusion.

Equal Opportunity

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.