Job Description

Who Are We?

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 it highly successful growth trajectory, SFFedCU is seeking a Retail Mortgage Loan Officer for our Golden Gate Branch in San Francisco.

The Position

The Retail Mortgage Loan Officer is responsible for originating residential mortgage loans and home equity lines of credit (HELOCs) 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. The Loan Officer ensures compliance with all regulatory requirements and contributes to the growth of the Credit Union's mortgage lending portfolio.

This role includes incentive compensation that may vary based on performance. A full breakdown will be provided to qualified candidates during the interview process.

Essential Functions and 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.

• 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.

Who Are You?

• 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.

• 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

Why You’ll Love It Here

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. No two days will be the same—and that’s exactly how you like it.

The compensation package includes an excellent benefits program including health insurance plans, generous PTO, 401(k) Plan, profit sharing, competitive base, bi-annual bonuses, as well as tuition reimbursement.

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.

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