Mortgage Loan Consultant

Mortgage Loan Consultant

SF Fire Credit Union first opened its doors in 1951 from a modest office space in 17 Engine. Today, the San Francisco-based credit union has grown to $1.7B in assets and a membership that extends throughout San Francisco, San Mateo, and Marin Counties. Our members benefit from the ideas and principles that have shaped us: shared trust, continuous innovation of products and services, competitive rates, and excellent member service. These qualities foster a true sense of member-ownership and strengthen the credit union's bond with the people for whom this credit union was created.

SF Fire Credit Union is seeking a full-time Mortgage Loan Consultant to play a key role in helping our members achieve homeownership 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.

What You Get To Do:

• Provides guidance and recommendations to members on appropriate real estate loan programs to suit members' needs.
• 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 homebuyers 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.

What We Look For In You:

• 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, preferably with demonstrated success in generating independent business.
• Deep knowledge of mortgage products, lending regulations, and compliance standards.
• Strong organizational skills and ability to manage multiple clients and deadlines independently.
• Self-motivated with a strong entrepreneurial spirit and ability to work remotely without direct supervision.
• Good time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
• Education: High School diploma or equivalent required; Associate degree or specialized training preferred.
• Experience: 1-3 years minimum, ideally 2-5 years mortgage loan officer or similar.
• Must have the ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports.

Note: This job description is non-contractual, or an exhaustive list and it may be added to or changed to from time to time. Salary This position offers a base salary, plus commission based on loan production. Estimated total annual compensation ranges from $95,000 – $300,000, with no cap on commission potential. Earnings are dependent on individual performance and market conditions. Compensation details, including base salary and commission structure, will be discussed during the interview process.

OUR BENEFITS We have a competitive compensation and benefits package, but the true reward of working for SF Fire Credit Union goes beyond what you'll see on a pay-stub. We genuinely care our employees and we strive to invest in their professional and personal growth. We're a relatively small organization at about 200 employees, so you can see the impact of your efforts and the value your contributions bring to our members and fellow employees.

• 401(k) and Employer Match
• Health, Vision, Dental and Life Insurance
• Annual Incentive/Bonus Program
• Tuition Reimbursement Program
• 11 Paid Holidays + Competitive PTO package
• Home & Consumer Loan Program (Discounted Rates)
• Professional development and training programs
• On-demand personal coaching resource
• Wellness Program (Discounted Gym Membership)

"Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records."