Regional Home Loan Consultant

Patelco Credit Union San Jose , CA 95111

Posted 3 months ago

Overview

We're here to help people in communities throughout Northern California build financially healthy lives. We do this by being attentive and partnering with our members to understand what is financially best for them. We thrive on change, and we put people first. If you're looking to use your skills and knowledge to make a difference in the lives of others, we look forward to hearing from you.

About Patelco Credit Union

Patelco is a not-for-profit credit union, serving the financial needs and aspirations of more than 300,000 members. What we earn, we return to our members in savings from lower loan rates, fewer fees, and personalized service that focuses on transparency, simplicity, and trust. Our mission remains the same as when we started in 1936, to provide products, services, education and expertise that will empower our members to rise up and achieve financial freedom.

The Opportunity

We seek to hire an Regional Home Loan Consultant. In this role, responsibilities will include originating home loans and lines of credit though direct contacts with members or by other referral sources.

Responsibilities

  • Meets with members to discuss loan programs and recommends appropriate product(s) to meet the member's needs.

  • Responsible for obtaining and submitting a complete loan application with the required supporting documentation.

  • Responsible to notify the borrower of decline and refer to PCS for an alternative solution.

  • Responsible to meet minimum production goals assigned.

  • Responsible to meet disclosure requirements for all real estate loans.

  • Maintain accurate status in origination systems for all loans assigned.

  • Make presentations and represent Patelco Credit Union at functions as directed.

  • Develop referral sources through assigned branches, local realtors, and in the community.

  • Recognize Cross sell opportunities and refer to appropriate team.

  • Keep members personal information safe and secure per Patelco's Security Policy.

  • Must meet with assigned branches weekly.

  • Understand and comply with all applicable federal and state laws and banking regulations (including those related to OFAC and Bank Secrecy Act / Anti-Money Laundering compliance) and Patelco Credit Union's policies and procedures.

  • Other duties as assigned.

Qualifications

  • 2 years of experience of external real estate or mortgage loan sales

  • Knowledge of FNMA and FHLMC guidelines preferred

  • Excellent oral and written communication skills.

  • Good public relations ability

  • Demonstrate skill in planning, organizing and controlling work:

  • Ability to work in a team environment.

  • Must have ability to use personal computer with emphasis on Word and Excel.

Patelco Credit Union is an EO Employer - M/ F/ Veteran/ Disability


See if you are a match!

See how well your resume matches up to this job - upload your resume now.

Find your dream job anywhere
with the LiveCareer app.
Download the
LiveCareer app and find
your dream job anywhere
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Commercial Loan Officer

International Search Consultants

Posted Yesterday

VIEW JOBS 12/18/2018 12:00:00 AM 2019-03-18T00:00 <strong><u>Commercial Loan Officer – San Jose, CA</u></strong><br />  <br /> Our Client is a prominent Financial Institution headquartered in San Jose, CA. Due to growth, they’re looking to add a Commercial Loan Officer to their team.<br /> <br /> This position is responsible for generating and closing commercial and real estate loans.  Duties include interviewing loan applicants, completing loan documentation, and communicating the business decision regarding acceptance or denial to applicant. <br /> <strong> <br /> The Commercial Loan Officer will:</strong> <ul> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Manage $20 million plus loan portfolio; extend credit within designated limits; approve loan extensions; collect on past due accounts; make decisions regarding overdrafts and service charges; establish workout program for problem loans; perform tasks associated with foreclosure.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Generate new business development in the bank’s designated lending area.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Interview loan applicants; review all required disclosures; complete loan applications and obtain signatures.  Generate new customers.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Review business plans, tax returns, financial statements, competition, economic conditions, etc. to determine credit worthiness; prepare and present loan proposals to Loan Committee.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Gather additional data by contacting customers regarding questions/concerns; make decisions and notify customers; negotiate loan rates and terms; obtain documentation needed for loan file including all paperwork needed to comply with regulatory policies and procedures; close approved loans; prepare required documentation regarding denied loans; provide suggestions for ways to improve credit worthiness.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Review loans in portfolio; ensure updated financial statements are obtained.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Work with support staff to complete all required documentation and respond to questions from internal and external auditors as well as examiners regarding work produced.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Serve on officer loan committee and other committees, as assigned.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Represent the Bank at various functions and provide leadership in community activities and organizations.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Comply with all banking regulations, policies, and procedures.</li> </ul>  <br /> <strong><u>Requirements for Commercial Loan Officer</u></strong>:<br />   <ul> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Previous experience in commercial lending.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Credit analysis skills.</li> <li style="padding: 0; margin: 0;" style="padding: 0; margin: 0;">Knowledge of lending policies and procedures, as well as compliance policies and procedures, disclosures and applicable state and federal rules and regulations.</li> </ul> <br /> <strong>Excellent package including strong benefits and competitive base pay.</strong><br />  <br /> <strong>If interested, please send resume as an attachment in MS Word to <a href="mailto:carolynm@iscjobs.com">carolynm@iscjobs.com</a> </strong><br />  <br /> <strong>Know someone who may be a perfect fit? We gladly pay $500 for referrals that result in hire and accept CONFIDENTIAL referrals, please send to carolynm@iscjobs.com the name and contact information. We will not use your name when reaching out.</strong><br />   International Search Consultants San Jose CA

Regional Home Loan Consultant

Patelco Credit Union