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SF Fire Credit Union · 12 hours ago

External Mortgage Loan Consultant

United States

Full-time

Remote

Mid, Senior Level

$100K/yr - $300K/yr

2+ years exp

SF Fire Credit Union is a community-focused credit union based in San Francisco that seeks an External Mortgage Loan Consultant to build referral networks and maintain loan volume. This role involves originating loans, promoting credit union products, and engaging in business development activities to meet mortgage production goals.

BankingFinanceFinancial Services

Culture & Values

Responsibilities

Develop 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

Network 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 aligned with their goals

Establish and cultivate strategic partnerships with title companies, financial planners, insurance agents, banks, attorneys, and accountants to generate referrals. Consistently engage in face-to-face meetings with these professional contacts to strengthen relationships and identify new sales opportunities

Serving as a home loan subject matter expert by staying up to date on lending programs, policies, and procedures

Assess borrower finances to determine creditworthiness and mortgage eligibility according to policy and regulations. Review pricing choices and secure interest rates per borrower instructions

Collaborate with Operations teams to facilitate the efficient transfer of loan applications, ensuring all required documentation is provided to Processors and that any additional information requested by Processors or Underwriters is obtained promptly

Achieve production goals by collaborating with customers and agents, using data to effectively organize and manage your business portfolio

Keep up with local real estate trends, competition, and updates to private and government-insured mortgage regulations

Stay informed on industry trends, market conditions, and product offerings to provide expert advice

Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history

Perform the loan origination function in a thorough and complete manner. Adhere to Credit Union policies and procedures

Qualification

Mortgage industry experienceBusiness developmentMortgage products knowledgeFinancial analysisRegulatory complianceCommunication skillsOrganizational skillsTime managementInterpersonal skillsProblem solving

Required

Mortgage industry origination experience

Experience in proactively soliciting new business

Excellent communication skills and the 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 the ability to organize, prioritize and perform multiple tasks simultaneously

High School diploma or equivalent required

Must have the 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