On-Site in Yuba City, CA. Remote work not available.

Summary:

Upon referral of member requests, to complete mortgage loan applications and process the loans according to Sierra Central’s established mortgage loan criteria and to maintain active communication with members throughout the lending process.  

Essential Functions:

1. Conduct loan interviews with both members and non-members in order to complete mortgage loan applications.
2. Assist members with appropriate loan product selection.
3. Obtain and analyze financial and credit information from applicant and complete formal application.
4. Loan processing: Order credit reports, appraisals and open escrows. Review loan applications for completeness. Prepare origination and closing documentation when needed. Prepare written communication to members. Obtain documentation to satisfy loan conditions. Order and verify automated underwriting product.
5. Monitor application pipeline to ensure loans are processed promptly and accurately and to insure timely closings.
6. Maintain regular contact with applicant and Sierra Central Credit Union between the time of application and closing.
7. Submit completed application to Sierra Central Real Estate Department.
8. Perform related and additional duties as assigned.

Required Skills and Abilities:

1. Extensive knowledge of real estate sales, mortgage lending regulations, appraisal and underwriting guidelines, and financial statements.  
2. Must be able to demonstrate proficiency in Word, Excel, and Outlook. 
3. Ability to work a flexible schedule to include evenings and weekends as necessary.  
4. Must possess well-developed communication skills and the ability to communicate with discretion, tact, and diplomacy.  
5. Possess ability to work and meet deadlines under pressure and cooperate within a team environment.

Education and Experience:

• High School Diploma or equivalent.  
• A minimum of 5 years or recent similar or related experience within the mortgage origination, or consumer lending or processing field.
• Previous credit union mortgage lending and consumer loan underwriting experience preferred.  

Physical Demands and Work Environment:

• Required to sit, stand, walk; talk and hear; and ability to touch and interact with office equipment.
• Ability to lift up to 25 pounds.
• Normal office environment where there is minimal discomfort due to temperature, dust, noise and other factors

The preceding list of duties does not include all tasks and responsibilities that may be required with this position. Additional tasks may be assigned, as departmental and operational needs require.