Real Estate Originations - Senior Home Equity Loan Specialist

Senior Home Equity Loan Specialist Hybrid | San Diego, CA 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: Integrity Service Commitment Teamwork Trust Communication 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 Career development opportunities 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 CFPB requirements

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 organization and time‑management skills Ability to manage multiple priorities in a high‑volume environment Strong attention to detail and problem‑solving capabilities Experience training and mentoring team members Technology Experience Experience with the following systems is preferred: Mortgage Cadence Symphony Portal Symitar OnBase Imagility Digital and Finale Documents Microsoft Office Suite (Excel, Word, Outlook) Title and escrow platforms Build a Career with Purpose At Mission Federal Credit Union, we believe in people helping people —and that starts with our Team Members. For more than 60 years, Mission Fed has proudly served San Diego, helping individuals, families, and businesses achieve financial well‑being. We're committed to creating a workplace where people feel valued, supported, and empowered to make a meaningful impact. If you’re looking for an opportunity to grow your career, make a meaningful difference, and contribute to an organization that values its people and its purpose, we’d love to hear from you. Apply today and help us create brighter financial futures for our members, our communities, and one another. Equal Opportunity Statement Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law. Privacy Notice Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act (“CCPA”) / California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who are subject to the CCPA/CPRA. #J-18808-Ljbffr Mission Fed Credit Union