Real Estate Originations - Senior Equity Loan Specialist
Listed on 2026-07-08
-
Finance & Banking
Mortgage Loan Originator / Advisor, Loan Servicing, Banking Operations, Loan Officer / Lending
Real Estate Originations
- Senior Home Equity Loan Specialist
Administrative
- Horizon Center, 10325 Meanley Drive, San Diego, California, United States of America
Posted Thursday, July 2, 2026 at 7:00 AM
Senior Home Equity Loan Specialist
Compensation: $25.00 - $30.00 hourly
Actual compensation within this range will be determined by factors including experience, qualifications, skills, internal equity, and other job-related considerations permitted by law.
As a Senior Home Equity Loan Specialist
, you'll serve as a trusted advisor to members, processing and originating HELOC and Fixed-Rate Second Mortgage loans while acting as a subject matter expert for the Home Equity team.
This is an excellent opportunity for a seasoned lending professional who enjoys working with complex income scenarios, title issues, and high-profile transactions while mentoring others and helping drive operational excellence.
Why Mission Fed?
Our culture is guided by six core values:
When you join Mission Fed, you'll become part of an award-winning organization that invests in its people, supports professional growth, and remains deeply connected to the communities we serve.
What We Offer
- Competitive compensation
- 18 days of PTO during your first year
- 12 paid holidays annually
- Full 6% 401(k) match
- Comprehensive medical, dental, and vision coverage
- Life insurance and additional voluntary benefits
- Employee wellness resources, including an on-site gym
- An award-winning workplace culture
What You'll Do
- Originate, process, and submit HELOC and Fixed-Rate Second Mortgage loans for underwriting review and approval.
- Serve as a trusted advisor by educating members on available Home Equity products and recommending solutions that meet their financial goals.
- Review and analyze loan applications, credit reports, income documentation, tax returns, debt-to-income calculations, loan-to-value ratios, and property valuations.
- Handle complex loan files, including high-profile member transactions, employee loans, challenging customer service situations, and non-traditional income scenarios.
- Coordinate with title companies, escrow partners, and internal teams to resolve title, vesting, lien, subordination, payoff, and documentation issues.
- Prepare closing instructions and loan documents while ensuring compliance and accuracy throughout the closing process.
- Manage loan pipelines and maintain proactive communication with members from initial application through closing.
- Review title reports and policies, clear title conditions, request lien releases, and coordinate escrow activities.
- Present loan recommendations to underwriters and support approval or denial decisions through thorough analysis and documentation.
- Deliver disclosures, provide pricing quotes, lock rates, discuss payment options, and cross-sell relevant products and services.
- Act as a resource and mentor to team members by providing training, guidance, and support on Home Equity products, systems, and procedures.
- Assist with process improvements, training development, policy updates, and operational enhancements.
What You'll Bring
Required Qualifications
- High School Diploma, GED, or equivalent
- Minimum 4 years of FNMA/FHLMC mortgage processing experience
- Minimum 2 years of current Home Equity loan processing experience
- Strong knowledge of HELOCs, second mortgages, and Home Equity lending
- Experience reviewing and interpreting Title Reports and Title Policies
- NMLS registration (or ability to obtain and maintain registration)
- Successful completion of federal background screening requirements
- Knowledge of applicable lending regulations and compliance requirements
Regulatory Knowledge
Experience working within:
- Regulation Z (Truth in Lending)
- Regulation B (Equal Credit Opportunity Act)
- RESPA
- HMDA
- ATR/QM
- HPML
- HOEPA
- SAFE Act requirements
Preferred Skills
- Advanced income analysis, including self-employed borrower review
- Strong understanding of title, escrow, vesting, and lien documentation
- Excellent verbal and written communication skills
- Outstanding customer service and relationship-building abilities
- Strong organizational and time management skills
- Ability to manage multiple priorities in a high-volume environment
- Strong…
(If this job is in fact in your jurisdiction, then you may be using a Proxy or VPN to access this site, and to progress further, you should change your connectivity to another mobile device or PC).