Mortgage Loan Officer I

Redwood Credit Union is looking for a Mortgage Loan Officer I, who will be responsible for marketing mortgage loan products and coordinating, organizing, and preparing real estate documentation to ensure accurate and expeditious loan closings.

Key Responsibilities

Loan File Management:

o Review loan files for accuracy and completeness upon receipt.

o Review preliminary title report and appraisal to ensure completeness and compliance.

o Schedule loan signing appointments with Members while confirming loan document orders.

o Consult with Members on at least a weekly basis regarding the status of their loan.

o Review cross sell opportunities and offer those that will benefit each individual Member.

o Approve and/or make recommendations for loan approval to established limits.

o Identify expired pre-approvals and send out Statement of Credit Denial Letters as required.

o Develop and utilize pipeline management system with loan processor to ensure high quality Member service.

o Prepare closing document order forms and ensure loan files are closed according to RCU standards.

o Recognize and propose changes in the workflow to maintain maximum efficiency.

Member/Branch Education Support:

o Counsel Members on loan requirements and matters affecting the granting of loans.

o Discuss loan options and programs that will benefit each Member.

o Recommend action steps to Members that help them qualify for a loan.

o Train staff on the fundamentals of mortgage lending and requirements to obtain a loan from RCU.

o Perform branch visits to assist in training co-workers.

o Provide exceptional service to all Members, volunteers, team members and service providers.

Special Projects and Other Functions:

o Research and resolve Member or team member concerns as directed.

o Discuss loan products and services at special events such as home show and first-time homebuyer seminars.

o Compose and type letters, memos and reports for staff and Members as needed.

o Provide general assistance to management in completing tasks and projects.

o Examine loan files prior to auditing to ensure accuracy and compliance.

Join us and discover why you'll love working at Redwood Credit Union!

ABOUT REDWOOD CREDIT UNION (RCU):

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.


Why work for Redwood Credit Union?

• 25th largest credit union in the U.S. and the largest financial institution based in the North Bay

• Recognized by Newsweek as one of "America's Best Credit Unions 2026"

• Awarded a 5-Star Bauer Rating

• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"

• Top Corporate Philanthropists (#24) - San Francisco Business Times

• Voted Best Places to Work in the North Bay 20 years in a row

• World-class Employee Engagement scores

• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

• Industry leading Net Promoter Scores across the U.S.

Minimum Qualification: Knowledge, Skills and Abilities

• Knowledge of internet-based loan origination software.
• Knowledge of basic residential mortgage loan products.
• Knowledge of real estate principles, practices, rules, and regulations.
• Knowledge of secondary market investor guidelines and compliance requirements.
• Skill, aptitude, and interest in sales.
• Skill in the operation of a PC with word processing and spreadsheet software, and Internet/intranet access.
• Ability to communicate effectively, both verbally and in writing.
• Ability to establish and maintain effective working relationships with a diverse group of people including vendors and other Credit Union team members.
• Ability to act independently and confidentially, using discretion and tract.
• Ability to analyze situations and recommend workable solutions.
• Ability to coordinate a variety of activities and prioritize work.
• Ability and desire to work in a team environment.
• Ability to work a rotating schedule which will include working on rotating Saturdays.

Licenses and Certifications

• Ability to obtain and maintain registration with the National Mortgage Licensing System and Registry in compliance with the requirements of Federal Law, including the SAFE ACT and NCUA part 761.

The ideal candidate has a combination of education and experience equivalent to a high school diploma with a minimum of two years of experience in the mortgage industry or a closely related field.

Compensation: Base starting range: $30.00 to $40.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and vision insurance, mental health offerings

• Employee performance incentive plan

• Salary Advancement- Merit increase based on performance

• 401(k) program with employer match

• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks:

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

• RCU employees are eligible for a 1% discount on all recreational or boat loan products

• 2% discount off Visas and LOC Loans through RCU

• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.

• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.

• 0% interest on garment, fitness, or home office equipment loan of up to $500

• 100% financing for employee purchased homes!

Physical Requirements:

• Ability to stand, bend, stoop, sit, walk, twist, and turn.

• Ability to lift up to 20 pounds.

• Ability to use a computer keyboard and calculator.

• Work environment is indoors; majority of the time is spent sitting at a desk.

*Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.

Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.


We are an Equal Opportunity Employer

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us at [email protected]. To ensure fairness and consistency, we're unable to respond to individual inquiries about application status.