Mortgage Loan Officer

Commission driven with unlimited earning potential! A top performer earned $125k in commissions.

Hybrid remote & in office work environment

Role requires traveling throughout our network of 11 branches and corporate office in Santa Ana, CA.

At Orange County's Federal Credit Union, we don't just offer banking services, we create meaningful relationships that empower our members and enrich our community. With over 85 years of trust, $2.5+ billion in assets, and 140,000+ members, we've built a reputation for excellence-and we're just getting started.

Our commitment to people, performance, and purpose has earned us the #1 spot in the Orange County Register's 2025 and 2024 Best Credit Union list, and the voices of our employees have earned us the Peter Barron Stark Award for Workplace Satisfaction. When you join us, you're not just taking the next step in your career; you're joining a team that loves where they work.

Are you ready to help our members achieve their home ownership dreams? At Orange County's Federal Credit Union (OCFCU), we believe in creating an inclusive and supportive environment where everyone can thrive. We're looking for an enthusiastic and dedicated Mortgage Loan Officer to join our team and make a real impact.

In this role, you will play a pivotal part in achieving our sales goals and service excellence
. You'll develop and maintain strong partnerships, bringing in home loan business through activities like home finance seminars and consumer solicitation. You'll also work with real estate agents, contractors, home builders, financial planners, and other referral sources to build our home loan business. Your commitment to providing professional, efficient, and high-quality member service will be key to your success.

• Build Relationships: Actively seek out new relationships and foster existing ones with third‑party sources and business partners. Drive and develop new home loan business, increasing participation in our products and services while maintaining and closing loans in the pipeline.
• Network and Promote: Plan, schedule, and conduct visits with third‑party sources, business partners, and the community to promote our products and services. Generate leads and fund home loans by engaging with potential and existing members.
• Business Development: Speak at industry events, host meetups, seminars, and networking functions to build your book of business and promote OCFCU's brand.
• Educate and Close: Educate members and non‑members on our advantages and value propositions. Negotiate and close loans, both from Credit Union‑sourced leads and self‑sourced opportunities.
• Loan Application Assistance: Interview loan applicants, assist with the loan application process, conduct debt and loan structure calculations, gather background information, obtain credit reports, and analyze loan applicants' credit qualifications. Match the appropriate loan product to meet members' financial needs.
• Liaison and Expert: Act as a liaison and subject matter expert between the real estate agent, loan applicant, and the Credit Union to promote a successful and efficient loan closing experience. Support the loan processor and closer in obtaining required documents and stipulations.
• Credit Evaluation: Obtain and evaluate credit reports, structure loans in accordance with Credit Union guidelines and regulatory requirements.
• Team
  
  Collaboration:
  
  Work with the operations team to bring loans to funding, meeting service guidelines. Communicate effectively with Loan Processor, Underwriter, and Closer/Funder, focusing on exceeding member expectations. Collect all required conditions to fund loans.
• Member Communication: Keep members informed of the loan status throughout the transaction, including funding. Document all conversations electronically regarding loan approvals, conditions, and denial reasons.

• Two years relevant experience with background in home finance originations, which would provide a thorough knowledge of modern and effective selling skills.
• Successfully registered with the NMLS (Nationwide Multistate Licensing System & Registry) as a Mortgage Loan Originator.
• Expert level knowledge of…