Job Details

Seeking Real Estate Loan Originator for Santa Maria CA








Santa Maria, California, United States


Banking and Finance




Real Estate Loan Originator

Full Time

Real Estate Loan Originator
1075 East Betteravia Road,  Santa Maria,  CA 93454

Under the direction of the AVP Real Estate, the Real Estate Loan Originator is responsible for performing a wide variety of member loan duties in the Real Estate Department.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities, and skills required of this position.
Other duties may be assigned to meet business needs.
Receives and originates real estate loan applications.
Reviews and verifies information, obtains credit reports and verifies credit references.
Computes interest and payments.
Communicates daily with front line employees regarding status on applications.
Communicates regularly with Real Estate Agents and Title and Escrow Officers to obtain fees necessary to produce initial disclosures.
Prepares initial disclosures.
Assigns loans to the appropriate employees within the Real Estate Department.
Receives incoming supporting application documentation; uploads documentation to the file cabinet.
Issues documentation within the required time frames to adhere to regulatory waiting periods.
Assists members in identifying real estate loan products which best meet their needs while maintaining real estate lending standards. Page 2 of 5 Real Estate Loan Originator
Takes mortgage applications over the phone.
Follows up with members regarding initial disclosure packages and notices of incompleteness.
Responds to members’ inquiries and requests; assists in completing forms and documents.
Submits loans to Automated Underwriting System (AUS) and has knowledge of how to read AUS results.
Maintains updated system comments within the loan application.
Explains reasons for adverse action and explore options for members when loans are declined.
Helps and provides guidance to mortgage originators.
May serve as a department floater depending on pipeline volume to assist in other areas of the Real Estate Department as needed.
Performs duties in compliance with Credit Union policy and appropriate regulatory statutes.
Maintains current job knowledge of Credit Union policies, procedures, and services. Uses cross-selling techniques to promote other Credit Union services.
Maintains confidentiality of member and Credit Union information as outlined in Section 9 of the Employee Handbook.
Regularly attends and participates in in-house training.
Performs duties as assigned by management and may be assigned to work at any branch.
Ensures personal safety and security, as well as that of co-workers, by safely and securely operating and handling
Credit Union equipment property. Observes safe work practices, keeping immediate area clean and unobstructed, equipment maintained properly, and all Credit Union safety policies followed.
Follows policies and procedures related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Customer Identification Program (CIP) to ensure daily compliance with current regulations

We offer great benefits including, very generous PTO, low premiums health insurance and 401k matching.

If you are motivated and team-oriented, here's your chance to work where every day is Another great day

Please apply online