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Mortgage Loan Officer (External)

Company: KeyPoint Credit Union
Location: Dublin
Posted on: September 16, 2018

Job Description:

Discover an exciting opportunity to work with a Leading Local Mortgage Lender. KeyPoint can help increase your income with:

  • Local Operations and Underwriting. You can close a purchase in 21 days!
  • Very strong compensation program that includes Base Salary and an aggressive commission structure.
  • Fannie/ Freddie product plus a Very Aggressive Jumbo Portfolio Product that meets the needs of Bay Area High Tech employees.
  • Competitive Pricing.
  • Best in class Technology bases systems to help you improve and automate borrower and Realtor service and communication. Here?s what you bring to the table:
    • A burning desire to be the best of the best.
    • Minimum of 3 years as a producing Retail loan officer.
    • Current book of producing Realtors.
    • Strong knowledge in Underwriting and standard mortgage practices.
    • Must be a self-starter, Proactive with a sense of urgency and attention to detail. Responsibilities:
      • Source and originate residential real estate loans through development of relationships with realtors, builders and business professionals.
      • Achieve individual and department real estate production and quality goals as outlined by the Credit Union.
      • Be an active member of the community and the local real estate industry.
      • Attend various functions and establish KeyPoint Credit Union in the community as the Real Estate Lender of choice.
      • Develop and manage a realtor referral base of between 15-25 active real estate agents.
      • Conducts presentations at real estate office sales meetings, homebuyer seminars or other venues to solicit real estate loans.
      • Generate referral business, leads and relationships with individuals, existing clients, past clients and real estate professionals.
      • Provide guidance and information relevant to the member?s application and the Credit Union?s real estate loan products and processes.
      • Effectively explain and communicate the terms of the real estate loan products and ensure all necessary documents are obtained and/or signed by the members.
      • Analyze member?s existing financial status, credit and property evaluation to determine feasibility of granting the loan, providing conditional approval or denial of loan request.
      • Analyze detailed financial and credit data, matching the member?s needs with an appropriate loan program and level of risk.
      • Clearly communicate conditional approval and the conditional approval conditions.
      • Communicate with member to resolve questions regarding application information.
      • Maintain a strong working knowledge of all the Credit Union?s portfolio and investor guidelines as well as be fluent in loan level pricing.
      • Manage pipeline to meet production goals, loan quality and member service including turn times.
      • Understand and learn new CRM and LOS systems to facilitate loan closings.
      • Responsible for quoting rates and guidelines with accuracy and fairness.
      • Communicate directly both verbally and in writing with members, real estate clients and peers in the real estate lending department.
      • Cross sell other products and services offered by the Credit Union.
      • Adhere to federal and state regulatory requirements, and credit unions policies and procedures as they pertain to loan origination and sales.
      • Compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations.
      • Perform other duties as assigned. Physical Requirements: (Including lifting, sitting, walking, bending, reaching and squatting % of time in each function) The workstation consists of an indoor cubical. A workday consists of sitting 75% of the time with standing 10% of the time and walking 15% of the time. The job also has some of the following for a total of no more than 1 hour each day: bending, reaching, kneeling, squatting and lifting up to 25 pounds or less.
        • Minimum 5 years mortgage experience, preferably as a loan officer or account executive
        • High school diploma or equivalent, with AA or BS preferred.
        • Expertise in interpreting underwriting guidelines and analyzing risk.
        • Solid time management and organizational skills.
        • Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
        • Strong interpersonal skills.
        • Ability to solve a variety of problems and deal with complex scenarios by using common sense and practical applications.
        • Ability to work accurately and efficiently in a face-paced environment.
        • Superior computer skills, including proficiency with Microsoft Office Suite.
        • Experience and detailed understanding of FNMA's DU and FHLMC's LP systems. This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site ( provides the MU4R questions and registration required for employment in this position. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.

          Keywords: KeyPoint Credit Union, San Francisco , Mortgage Loan Officer (External), Other , Dublin, California

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