Orange County's Credit Union
Mortgage Loan Officer
Orange County's Credit Union, California, Missouri, United States, 65018
Mortgage Loan Officer
At Orange County’s Credit Union (OCCU), we create meaningful relationships that empower our members and enrich our community. With over 85 years of trust, $2.5+ billion in assets, and 140,000+ members, we’ve built a reputation for excellence—and we’re just getting started.
Are you ready to help our members achieve their homeownership dreams? We're looking for an enthusiastic and dedicated Mortgage Loan Officer to join our team and make a real impact.
Pay Information
Base pay range: $41,600.00/yr - $47,840.00/yr
Additional compensation: Annual Bonus
Hybrid remote & in office work environment with unlimited earning potential
Responsibilities
Build Relationships: Actively seek new relationships and maintain existing ones with third‑party sources and business partners. Drive and develop new home loan business, increasing participation in our products and services while maintaining and closing loans in the pipeline.
Network and Promote: Plan, schedule, and conduct visits with third‑party sources and the community to promote our products and services. Generate leads and fund home loans by engaging with potential and existing members.
Business Development: Speak at industry events, host meetups, seminars, and networking functions to build your book of business and promote OCCU’s brand.
Educate and Close: Educate members and non‑members on our advantages and value propositions. Negotiate and close loans, both from Credit Union‑sourced leads and self‑sourced opportunities.
Loan Application Assistance: Interview loan applicants, assist with the loan application process, conduct debt and loan structure calculations, gather background information, obtain credit reports, and analyze loan applicants’ credit qualifications. Match the appropriate loan product to meet members’ financial needs.
Liaison & Expert: Act as a liaison and subject matter expert between the real estate agent, loan applicant, and the Credit Union to promote a successful and efficient loan closing experience. Support the loan processor and closer in obtaining required documents and stipulations.
Credit Evaluation: Obtain and evaluate credit reports, structure loans in accordance with Credit Union guidelines and regulatory requirements.
Team Collaboration: Work with the operations team to bring loans to funding, meeting service guidelines. Communicate effectively with Loan Processor, Underwriter, and Closer/Funder, focusing on exceeding member expectations. Collect all required conditions to fund loans.
Member Communication: Keep members informed of the loan status throughout the transaction, including funding. Document all conversations electronically regarding loan approvals, conditions, and denial reasons.
Requirements
1‑2 years relevant experience in home finance originations, demonstrating knowledge of modern selling skills.
Registered with the NMLS (Nationwide Multistate Licensing System & Registry) as a Mortgage Loan Originator.
Thorough knowledge of mortgage lending federal and state laws and regulations.
Knowledge of Fannie Mae and/or Freddie guidelines for residential mortgage loans preferred.
Experience with loan origination and automated underwriting systems preferred.
Strong presentation and sales skills to meet with local real estate agents and other referral sources, and to educate consumers at home finance seminars and community events.
High school education or GED.
Why You’ll Love Working Here
Base hourly pay of $20.00 - $23.00 plus monthly bonus with unlimited earning potential.
Comprehensive benefits: Anthem HMO/PPO, Delta Dental, and Unum options – from day one.
401(k) with up to 8% employer contribution.
Annual discretionary bonus & performance merit increases.
Educational grants up to $1,000.
13 vacation days per year (increases to 21 after 5 years).
Additional Information
Seniority level: Associate
Employment type: Full‑time
Job function: Sales, Business Development, and Customer Service
Industries: Banking, Consumer Services, and Financial Services
Orange County's Credit Union is an Equal Opportunity Employer. Pre‑employment screenings, including background and credit checks, are required.
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Are you ready to help our members achieve their homeownership dreams? We're looking for an enthusiastic and dedicated Mortgage Loan Officer to join our team and make a real impact.
Pay Information
Base pay range: $41,600.00/yr - $47,840.00/yr
Additional compensation: Annual Bonus
Hybrid remote & in office work environment with unlimited earning potential
Responsibilities
Build Relationships: Actively seek new relationships and maintain existing ones with third‑party sources and business partners. Drive and develop new home loan business, increasing participation in our products and services while maintaining and closing loans in the pipeline.
Network and Promote: Plan, schedule, and conduct visits with third‑party sources and the community to promote our products and services. Generate leads and fund home loans by engaging with potential and existing members.
Business Development: Speak at industry events, host meetups, seminars, and networking functions to build your book of business and promote OCCU’s brand.
Educate and Close: Educate members and non‑members on our advantages and value propositions. Negotiate and close loans, both from Credit Union‑sourced leads and self‑sourced opportunities.
Loan Application Assistance: Interview loan applicants, assist with the loan application process, conduct debt and loan structure calculations, gather background information, obtain credit reports, and analyze loan applicants’ credit qualifications. Match the appropriate loan product to meet members’ financial needs.
Liaison & Expert: Act as a liaison and subject matter expert between the real estate agent, loan applicant, and the Credit Union to promote a successful and efficient loan closing experience. Support the loan processor and closer in obtaining required documents and stipulations.
Credit Evaluation: Obtain and evaluate credit reports, structure loans in accordance with Credit Union guidelines and regulatory requirements.
Team Collaboration: Work with the operations team to bring loans to funding, meeting service guidelines. Communicate effectively with Loan Processor, Underwriter, and Closer/Funder, focusing on exceeding member expectations. Collect all required conditions to fund loans.
Member Communication: Keep members informed of the loan status throughout the transaction, including funding. Document all conversations electronically regarding loan approvals, conditions, and denial reasons.
Requirements
1‑2 years relevant experience in home finance originations, demonstrating knowledge of modern selling skills.
Registered with the NMLS (Nationwide Multistate Licensing System & Registry) as a Mortgage Loan Originator.
Thorough knowledge of mortgage lending federal and state laws and regulations.
Knowledge of Fannie Mae and/or Freddie guidelines for residential mortgage loans preferred.
Experience with loan origination and automated underwriting systems preferred.
Strong presentation and sales skills to meet with local real estate agents and other referral sources, and to educate consumers at home finance seminars and community events.
High school education or GED.
Why You’ll Love Working Here
Base hourly pay of $20.00 - $23.00 plus monthly bonus with unlimited earning potential.
Comprehensive benefits: Anthem HMO/PPO, Delta Dental, and Unum options – from day one.
401(k) with up to 8% employer contribution.
Annual discretionary bonus & performance merit increases.
Educational grants up to $1,000.
13 vacation days per year (increases to 21 after 5 years).
Additional Information
Seniority level: Associate
Employment type: Full‑time
Job function: Sales, Business Development, and Customer Service
Industries: Banking, Consumer Services, and Financial Services
Orange County's Credit Union is an Equal Opportunity Employer. Pre‑employment screenings, including background and credit checks, are required.
#J-18808-Ljbffr