External Home Loan Consultant

Patelco Credit Union is a not-for-profit credit union with a purpose to build financial health and wellbeing for our members. Since 1936, Patelco has grown from $500 in assets to over $9 billion in assets and is the 7th largest credit union in California with branches throughout Northern California.

We are here for our members throughout all their stages of life, meeting them with the products and services to help them plan purposefully for their futures and to secure our life-long partnership as their trusted financial advocate. As one team, we are all committed to delivering service, empowering financial literacy, creating products, and providing new technology for our members.

We believe that work should be rewarding, challenging, and enjoyable. We’re dedicated to creating a positive and supportive culture where our team members can thrive. If you’re looking to use your skills and knowledge to make a difference in our members’ lives, Patelco could be the perfect fit for you.

In this role, the External Home Loan Consultant is responsible to self-source and originate high quality home loans and lines of credit through various referral sources such as realtors, builders, and external business partners while delivering excellent member service. This role is largely commission based.

• Meets with members to discuss loan programs and recommends appropriate product(s) to meet the member’s needs.
• Responsible for obtaining and submitting a complete loan application with the required supporting documentation.
• Responsible to notify the applicant of reasons for decline and steps needed to be considered for an approval.
• Responsible to meet minimum production goals assigned.
• Responsible to meet disclosure requirements for all real estate loans.
• Maintain accurate status in origination systems for all loans assigned.
• Make presentations and represent Patelco Credit Union at functions as directed.
• Develop referral sources through assigned branches, local realtors, and in the community.
• Recognize cross-sell opportunities and refer to appropriate team.
• Keep members' personal information safe and secure per Patelco’s Security Policy.
• Must meet with assigned branches weekly.
• Understand and comply with all applicable federal and state laws and banking regulations (including those related to OFAC and Bank Secrecy Act / Anti-Money Laundering compliance) and Patelco Credit Union’s policies and procedures.
• Other duties as assigned.

• 2 years of experience in external real estate or mortgage loan sales.
• Knowledge of FNMA and FHLMC guidelines preferred.
• Excellent oral and written communication skills.
• Good public relations ability.
• Demonstrate skill in planning, organizing and controlling work.
• Ability to work in a team environment.
• Must have ability to use personal computer with emphasis on Word and Excel.

$46,677 - $54,082/year

Please note that the salary information is a general guideline only. Patelco Credit Union considers factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience, education/training, key skills, internal peer equity, as well as market and business considerations when extending an offer. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Physical Health:

• Exceptional Medical, Dental, Vision, and Life Insurance benefits.
• Rewards for completing wellness-related activities.

Financial Health:

• Competitive compensation packages with bonus opportunity.
• 401(k) with 3% Safe Harbor and 5% employer match.
• Discounts on loan products.
• Tuition reimbursement.

Emotional Health:

• Employee Assistance Program (EAP).
• PTO for part-time and full-time positions.
• Paid holidays.

Personal Development:

• On-the-job training and skills development.
• Internal transfer opportunities for career growth.
• Volunteer work.

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