Orange County's Credit Union · 2 weeks ago
Mortgage Loan Officer
Santa Ana, CA
Full-time
Hybrid
Entry, Mid Level
$21/hr - $23/hr
2+ years expOrange County's Credit Union is a reputable financial institution that has been serving its community for over 85 years. The Mortgage Loan Officer will develop and maintain partnerships to drive home loan business, educate members on loan products, and ensure a smooth loan closing process.
BankingFinancial ServicesInsurance
Responsibilities
Build Relationships: Actively seek out new relationships and foster 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, business partners, 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 OCFCU’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 and 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
Qualification
Required
Two years mortgage loan officer experience with background in home finance originations and effective selling skills
Successfully registered with the NMLS (Nationwide Multistate Licensing System & Registry) as a Mortgage Loan Originator
Expert level knowledge of mortgage lending federal and state laws and regulations required
Successfully creates and facilitates presentations, and has the selling skills are required to meet with local real estate agents, businesses, and other their party business referral sources, as well as educate consumers in home finance seminars and local community events
High school education or GED
Preferred
Thorough knowledge of Fannie Mae and/or Freddie guidelines for residential mortgage loan preferred
Experience with loan origination and automated underwriting systems preferred
Benefits
Anthem HMO/PPO, Delta Dental, and Unum options – from day one!
401(k) with up to 6% employer matching dollar for dollar!
Annual discretionary bonus & performance merit increases
Educational grants up to $1,000
13 vacation days/year (increases with tenure)
7 sick days/year
Paid holidays
Company
Orange County's Credit Union
Orange County's Credit Union is a banking & financial services firm offering loans,insurance and related services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Kathy Jumper
Chief Executive Officer
Greg Krause
SVP/CFO
Recent News
San Bernardino Sun
2025-12-29
2025-08-25
2025-03-26
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