Real Estate Loan Officer

Real Estate Loan Officer

Working for Pacific Service Credit Union

We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team.

Health insurance coverage:
We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.

401k:
We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. All employees are vested at 100% for the employer match beginning the first day of employment.

Bonus program:
All employees are rewarded for attaining our annual organizational goals.

Tuition Reimbursement program for employees eligible after six months of service.

Recognition program where employees can be nominated by management, their peers or by members.

Employee referral bonus.

Student Loan Repayment Assistance:
Contributions toward your student loans every month by the credit union after six months of service.

Employees are eligible to receive a consumer loan rate discount

Vacation and sick time:
Full-time employees receive more than two weeks' vacation per year, 11 paid holidays and 10 days of sick leave.

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well‑being.

• Originate, manage, and produce a pipeline of first and second‑lien mortgage applications, including conventional, FHA, VA and home equity products through member referrals, targeted marketing efforts, and community outreach initiatives.
• Develop and maintain strong relationships with credit union members by delivering guidance, expertise, and ongoing support through the loan application process.
• Collect, review, and analyze borrower financial data to determine loan eligibility and appropriate lending solutions.
• Complete initial assessment of the real estate application including a review of credit, financial data and collateral information in preparation of processing and loan approval.
• Ensure all loan applications are complete, accurate, and compliant with internal policies, regulatory requirements, and applicable secondary market standards.
• Oversee the loan process from origination through closing, maintain clear and timely communication with applicants including negotiating interest rate and loan terms due to changes in the initial qualification caused by collateral, income or financial data verification.
• Maintain comprehensive knowledge of applicable state and federal laws and regulations, including RESPA, HPML, HOEPA, HCML, ATR/QM, Bank Secrecy Act, and anti‑money laundering requirements, ensuring full compliance throughout the lending process.
• Utilize automated underwriting systems, such as Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Prospector (LP), interpreting findings to build a high‑quality loan portfolio.
• Assist in promoting purposeful and productive member engagement by identifying additional financing needs and capturing opportunities to upsell or cross‑sell.
• Demonstrate professionalism and discretion when handling difficult or sensitive member situations.
• Consistently document member communications and loan activity within the Loan Origination System (LOS) to ensure accurate record‑keeping and effective communication.
• Collaborate effectively with processors, closing staff, and management to ensure timely, accurate, and efficient loan processing.
• Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
• Demonstrate…