External Mortgage Loan Consultant at SF Fire Credit Union

San Francisco, California, United States -

Full Time

Start Date

Immediate

Expiry Date

03 Apr, 26

Salary

300000.0

Posted On

03 Jan, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Industry Experience, Business Development, Communication Skills, Financial Analysis, Customer Focus, Problem Solving, Time Management, Organizational Skills, Integrity, Networking, Sales Skills, Team Collaboration, Regulatory Knowledge, Entrepreneurial Spirit, Relationship Building, Market Awareness

Industry

Financial Services

Description

Where it all began… In 1951 SF Fire Credit Union first opened its doors from a modest 10′ × 15′ office space in 17 Engine. It was from those humble beginnings—where everyone pitched in to help one another in their community—that the organization forged its way of business forever. Today, the San Francisco-based credit union has grown to $1.7B in assets and a membership that extends from the regional firefighters we trace our roots back to throughout our many neighbors in San Francisco, San Mateo and Marin Counties. Our members benefit from the ideas and principles that have shaped us: Shared trust, continuous innovation of products and services, competitive rates, and excellent member service. These qualities foster a true sense of member-ownership and strengthen the credit union’s bond with the people for whom this credit union was created. What we stand for… There are a few things we look for those we hire at SF Fire Credit Union, regardless of role or team. First, do they align with our values? Be Personal – Walk the Member/Employee Path Be a Leader – Empower, Collaborate, Own Be Outside the Box – Innovate, Educate, Engage Be Real – Integrity and Transparency Matter Be the Connection – Serve our Community Second, will they thrive in a culture like ours, where we default to trust, embrace feedback, and desire to innovate? Finally, do they share our vision to help empower members to accomplish their dreams and build lasting financial security in whatever way is most relevant to their role? What it feels like… Most days it feels more like going to work with a big family. Whether it’s a pot luck lunch, baking birthday cakes for colleagues in the kitchen, or after-hours get together, we’re here to do a great job and have a good time while doing it! We value a good sense of humor, are motivated by a higher purpose, and always bring an “in-this-together” attitude. While we’re driven to do great work, we also value real work/life balance. Is This the Career for You? SF Fire Credit Union seeks a full-time External Mortgage Loan Consultant to build referral networks and maintain loan volume from real estate brokers, home builders, and other mortgage referral sources. Candidates must have mortgage industry origination experience. Reporting to the Vice President of Real Estate Lending Operations, this role involves originating competitive portfolio and secondary market loans, promoting SF Fire Credit Union’s products and services, and engaging in business development activities at industry events. Our organization is dedicated to building an inclusive, fair, and diverse workplace. As an External Mortgage Loan Consultant, you'll be essential in helping meet mortgage production goals and consistently reflect our mission-focused values. To succeed, you'll need to be proactive, have a strong connection to the community, and genuinely want to excel in a purpose-driven setting. This role provides more than mere employment; it presents an opportunity to effect positive changes and contribute significantly to both our organization and the broader community. What You’ll Be Doing Develop new business opportunities by cultivating and sustaining relationships with real estate offices, agents, home builders, title and escrow officers, financial advisers, CPAs, and other related professionals. Network with professionals, family, friends, and past clients to promote the SF Fire Credit Union brand and assist homebuyers or homeowners in securing real estate financing aligned with their goals. Establish and cultivate strategic partnerships with title companies, financial planners, insurance agents, banks, attorneys, and accountants to generate referrals. Consistently engage in face-to-face meetings with these professional contacts to strengthen relationships and identify new sales opportunities. Serving as a home loan subject matter expert by staying up to date on lending programs, policies, and procedures. Assess borrower finances to determine creditworthiness and mortgage eligibility according to policy and regulations. Review pricing choices and secure interest rates per borrower instructions. Collaborate with Operations teams to facilitate the efficient transfer of loan applications, ensuring all required documentation is provided to Processors and that any additional information requested by Processors or Underwriters is obtained promptly. Achieve production goals by collaborating with customers and agents, using data to effectively organize and manage your business portfolio. Keep up with local real estate trends, competition, and updates to private and government-insured mortgage regulations. Stay informed on industry trends, market conditions, and product offerings to provide expert advice. Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history. Perform the loan origination function in a thorough and complete manner. Adhere to Credit Union policies and procedures. What We Look For In You Experience in proactively soliciting new business. Must have excellent communication skills and the ability to effectively analyze financial information. Proven experience as a Mortgage Loan Officer or similar role, preferably with demonstrated success in generating independent business. Deep knowledge of mortgage products, lending regulations, and compliance standards. Strong organizational skills and ability to manage multiple clients and deadlines independently. Self-motivated with a strong entrepreneurial spirit and ability to work remotely without direct supervision. Good time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. Education: High School diploma or equivalent required; Associate degree or specialized training preferred. Experience: 1-3 years minimum, ideally 2-5 years mortgage loan officer or similar. Must have the ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports. Required Competencies: Customer Focus - Is dedicated to meeting the expectations of internal and external customers Approachability - Is easy to approach and talk to; Spends extra effort to put others at ease Peer Relationships - Is seen as a team player and is cooperative Decision Quality - Makes good decisions based upon a mixture of analysis, experience and judgment Problem Solving - Uses rigorous logic to solve difficult problems with effective solutions Drive For Results - Steadfastly pushes self and others for results Interpersonal Savvy - Relates well to all kinds of people; builds constructive and effective relationships Integrity and Trust - Is widely trusted; is seen as a direct truthful individual Listening - Practices attentive and active listening; Has the patience to hear people out Action Oriented - Full of energy for things he/she sees as challenging, not fearful of acting Personal Learning - Seeks feedback; Displays a high level of curiosity and translates it into new approaches to problem solving Creativity - Challenges conventional practices in a constructive manner Note: This job description is non-contractual, or an exhaustive list and it may be added to or changed to from time to time. Salary This position offers a base salary, plus commission based on loan production. Estimated total annual compensation ranges from $100,000 – $300,000, with no cap on commission potential. Earnings are dependent on individual performance and market conditions. Compensation details, including base salary and commission structure, will be discussed during the interview process OUR BENEFITS We have a competitive compensation and benefits package, but the true reward of working for SF Fire Credit Union goes beyond what you’ll see on a pay-stub. We genuinely care our employees and we strive to invest in their professional and personal growth. We’re a relatively small organization at about 200 employees, so you can see the impact of your efforts and the value your contributions bring to our members and fellow employees. 401(k) and Employer Match Health, Vision, Dental and Life Insurance Annual Incentive/Bonus Program Tuition Reimbursement Program 11 Paid Holidays + Competitive PTO package Home & Consumer Loan Program (Discounted Rates) Professional development and training programs On-demand personal coaching resource Wellness Program (Discounted Gym Membership) “Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.”

Responsibilities

The External Mortgage Loan Consultant will develop new business opportunities by cultivating relationships with real estate professionals and maintain loan volume. They will also serve as a subject matter expert on home loans and collaborate with operations teams to facilitate loan applications.