Mortgage Loan Consultant

Is This the Career for You?

SF Fire Credit Union is seeking a full‑time Mortgage Loan Consultant to play a key role in helping our members achieve home ownership while driving meaningful growth across our communities. This role is ideal for a relationship‑driven mortgage professional who thrives on connecting with people, building trusted partnerships, and delivering lending solutions that truly make a difference.

As a Mortgage Loan Consultant, you’ll originate internal first mortgage and equity loans while actively engaging in business development efforts throughout the Bay Area. You’ll serve as a trusted advisor to our members, analyzing loan requests, recommending tailored solutions, and guiding borrowers through the mortgage process with care, expertise, and integrity. In parallel, you’ll build and maintain strong referral networks with real estate brokers, home builders, and other industry partners to sustain a healthy pipeline and long‑term growth.

Reporting to the Vice President of Real Estate Lending, this role offers the opportunity to originate competitive portfolio and secondary market loans while representing SF Fire Credit Union at industry events and within the broader community. Success in this role comes from being proactive, community‑oriented, and motivated by purpose, not just production.

At SF Fire Credit Union, this is more than a mortgage origination role. It’s an opportunity to contribute to a mission‑driven organization committed to service, trust, and inclusion, while making a tangible impact on members’ lives and the communities we serve.

• Provides guidance and recommendations to members on appropriate real estate loan programs to suit members’ needs. The Mortgage Loan Consultant facilitates the mortgage lending process by taking applications, providing personalized service and consulting with the applicant on a home loan solution that fits their particular needs and goal home loan goals.
• 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 home buyers 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.

• 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,…