Travis Credit Union · 1 week ago
Digital Mortgage Loan Officer
Vacaville, CA
Full-time
Hybrid
Mid Level
$27.96/hr - $34.53/hr
3+ years expTravis Credit Union is seeking a Digital Mortgage Loan Officer to educate and sell prospective mortgage applicants on the best home loan options for their financial situation. The role involves managing online mortgage applications, building relationships with members, and ensuring compliance with regulatory guidelines while achieving loan volume targets.
CommunitiesInternet
No H1B
Responsibilities
Responsible for all online, digital mortgage loan applications
Responsible for monitoring the digital queue to support members
Builds relationships and captures new loan growth via outbound calls by connecting with people and building trust
Ensures all documentation in loan files is consistent with input data in all data systems utilized
Determines methods and procedures on new assignments and may coordinate activities of other personnel
Sells and originates mortgage loans within the guidelines of TCU policy, procedures and government regulations, and ensures all disclosures are sent within regulations and that required documents are accurate
Pre-qualifies members in identifying portfolio and Fannie Mae underwriting guidelines and programs, FHA and VA requirements and available down payment assistance programs
Quotes and explains rates and terms; educates prospective applicants of the best home loan for them. Pre-qualifies members for conventional and government mortgages, second mortgages, and our various down-payment assistance programs. Renegotiates loan terms due to changes from initial loan application
Tracks pipeline to ensure loans are being processed according to established priorities. Acts as the main contact with members during the application process. Provides regular status reports to members to maintain good communication. Works with the operations staff to ensure on-time closings
Professionally represents TCU within the communities we serve and develops relationships in a manner that will enhance the overall branding and loan growth of the credit union
Understands and maintains current working knowledge of TCU products/services, policies and procedures, and real estate lending regulations through internal communications, training and attendance at meetings, seminars and workshops
Actively participates and supports TCU's Sales and Service culture by offering other TCU products/services based on the needs of the member. Delivers quality member service at all times
Achieves maximum loan volume, ensuring the member receives the best available product to meet their needs, while maintaining portfolio quality standards. Builds and maintains relationships with local realtors as a source of future business
Stays abreast of state and federal laws and regulations including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position
Qualification
Required
Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union
Candidates must have current authorization to work in the U.S. (no sponsorship available)
Responsible for all online, digital mortgage loan applications
Responsible for monitoring the digital queue to support members
Builds relationships and captures new loan growth via outbound calls by connecting with people and building trust
Ensures all documentation in loan files is consistent with input data in all data systems utilized
Determines methods and procedures on new assignments and may coordinate activities of other personnel
Sells and originates mortgage loans within the guidelines of TCU policy, procedures and government regulations, and ensures all disclosures are sent within regulations and that required documents are accurate
Pre-qualifies members in identifying portfolio and Fannie Mae underwriting guidelines and programs, FHA and VA requirements and available down payment assistance programs
Quotes and explains rates and terms; educates prospective applicants of the best home loan for them
Pre-qualifies members for conventional and government mortgages, second mortgages, and our various down-payment assistance programs
Renegotiates loan terms due to changes from initial loan application
Tracks pipeline to ensure loans are being processed according to established priorities
Acts as the main contact with members during the application process
Provides regular status reports to members to maintain good communication
Works with the operations staff to ensure on-time closings
Professionally represents TCU within the communities we serve and develops relationships in a manner that will enhance the overall branding and loan growth of the credit union
Understands and maintains current working knowledge of TCU products/services, policies and procedures, and real estate lending regulations through internal communications, training and attendance at meetings, seminars and workshops
Actively participates and supports TCU's Sales and Service culture by offering other TCU products/services based on the needs of the member
Delivers quality member service at all times
Achieves maximum loan volume, ensuring the member receives the best available product to meet their needs, while maintaining portfolio quality standards
Builds and maintains relationships with local realtors as a source of future business
Stays abreast of state and federal laws and regulations including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position
In-depth knowledge of real estate industry lending criteria (FNMA, FHLMC, FHA/VA), and federal and state regulations
Professional verbal and written communication skills
Detail-oriented
Work independently and self-motivate to achieve goals with minimal supervision
Proven business development and/or sales skills
Sound understanding of TCU's Real Estate loan programs
Ability to successfully tailor communications according to the audience
Proven account management skills with the ability to create, maintain and enhance business relationships
Ability to prepare and effectively facilitate presentations
Ability to interact with diverse groups of people including business community members, potential borrowers and referral agents in a professional and diplomatic manner
Proven ability to meet sales objectives, recognize customer needs and match them to loan products
Proficient in MS Office products (Word, Excel, Outlook)
Experience with industry-related software programs
Flexible in working hours
Reports directly to Manager, Mortgage Originations
High school diploma or equivalent
Minimum 3 years mortgage origination experience, including selling and processing 1st mortgage Conventional, FHA and 2nd mortgage loan originations in a mortgage-banking environment
Preferred
AA degree in Business or related field preferred
Previous credit analyst experience preferred
Benefits
Competitive medical, dental, and vision insurance
Mental health and wellness programs
Employee performance incentive plan
Merit-based salary increases
401(k) program with immediately vested employer match
Generous holiday and vacation policies
Exclusive TCU perks such as employee loan and credit card discounts
Company
Travis Credit Union
Travis Credit Union (TCU) was founded on the principle of People Helping People.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
unknownKey Investors
Community Development Financial Institutions Fund
2023-04-10Grant
Leadership Team
Chris Germann
Managing Director, Payment Services
Recent News
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2025-11-20
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2025-08-07
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