VP, Mortgage Loan Officer (Glendale or San Diego)

Job Description

Job Description

Base pay is $36,000; Salary range includes potential commission.

General Summary:

Under general supervision, complete the full cycle of mortgage loan application from receipt of loan application to final loan documentation process and preparation for funding. VP Mortgage Loan Officer is primarily responsible for generation of origination prospects through the following outbound sales activity: networking, outbound marketing, and solicitation of existing members and new members to achieve assigned corporate goals. 

VP Mortgage Loan Officer may be assigned a retail branch and receive new mortgage referrals from CCU employees. VP Mortgage Loan officer must utilize lending knowledge and experience to ensure an elevated level of member service and satisfaction. In accordance with Processing, Underwriting, and Funding this position will be responsible for helping members and non-members with the entire loan process. 

The primary objective of this position is to assist applicants by providing exceptional service for purchase and refinance originations. Make outbound calls to new and existing applicants. Communicate in person, via e-mail, with processing, underwriting, and funding groups on individual loans.

Principal Accountabilities (70%):

• Inputs loan information into LOS (Loan Origination System) and FNMA D/U
• Guide applicants through CCU Product types (Fixed Rate or ARM) and corresponding interest rates
• Solicit members and new members through outbound activity
• Anticipate and communicate borrower document needs: tax returns, paystubs, bank statements etc.
• Generate mortgage originations through self-sourced marketing activity
• Prequalify applicants through analysis of credit, income, DTI, and assets 
• Market CCU products to referral partners and borrowers
• Effective management of pipeline to ensure files move from application to approval, and through closing
• Maintains communication with applicants, Mortgage Loan Processors, and operational staff regarding the status of loans
• Solicit loan terms in accordance with California Credit Union products, services, and pricing strategies
• Ensure applications are complete and accurate
• Negotiate and coordinate rate lock confirmations with applicants(s)
• Provide exceptional service to applicants and internal customers
• Completes the mortgage application:

a. Verify membership for all borrowers on loan applications by accessing DNA

b. Complete the employment section in LOS

c. Input the income section of the mortgage application

d. Input and/or update Financing Information

e. Input housing expense

f. Complete assets section of the application

g. Input the Real Estate Owned section of the application

h. Review the credit report with the applicant(s) ensuring that a current one is in the file

i. Complete the declarations and government monitoring section of the application is current

• Assist in the initial disclosure process as needed

Secondary Accountabilities (30%):

• Input a mortgage application and documentation in its entirety with hyper-attention to detail
• Must be able to effectively self-source referral partners 
• Ability to generate new business through outbound sales of previous clients including solicitation of past clients/members
• Must be able to communicate effectively with internal customers and colleagues
• Able to work in a fast-paced, rapid environment while maintaining a cheerful outlook and enthusiastic spirit 

Position Requirement and Qualifications: 

Abilities:

• Excellent communication and customer service skills and a cheerful outlook.
• Excellent diligence and organization.
• Computer proficiency in PC applications, loan origination/automated underwriting systems.
• Ability to communicate instructions or ideas clearly and accurately to co-workers in an appropriate manner. 
• Ability to comprehend normal business conversations.

Knowledge, Education, Certifications, Licenses:

• Active NMLS required
• High School Diploma required

Experience:

• Three (3) years of origination experience with a lending institution with at least three (3) years of provable and documented origination history (2023 to 2025 and YTD of 2026)

This is a highly performance-driven position with a compensation structure that includes a base salary and a monthly commission/incentive program designed to reward mortgage loan production, referral generation, relationship development, and overall business growth.

Working Conditions and Physical Demands:

• PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
• Communication: Ability to communicate instructions or ideas clearly and accurately to co-workers in an appropriate manner. Ability to comprehend normal business conversations.
• Manual Dexterity: Ability to use the fingers to make small movements such as typing or picking up general office objects. Movements frequently and regularly are required using the wrists, hands, and/or fingers.
• Visual Abilities: Visual acuity necessary to prepare or inspect documents and products or operate machinery.
• Physical Strength: May be required to lift up to ten pounds occasionally. 

Work is performed in a general office environment. This position does not require significant physical efforts. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. Refer to the Safety & Health Policy found in California Credit Union’s Employee Handbook & Resource Guide.