Loan Officer

• Cultivate strong member relationships through high-quality sales and service
• Promote and sell savings, depository accounts, consumer loans, and insurance products
• Refer cross-sell opportunities to business partners
• Execute Member Experience protocols and identify financial needs and referral opportunities
• Process consumer web applications accurately and promptly, including loan funding and documentation
• Review credit reports to identify relationship-deepening opportunities
• Use credit scoring, lending practices, regulatory knowledge, and judgment to make lending decisions
• Explain loan denials and explore alternative options
• Respond to member inquiries by telephone, SMS, and email
• Conduct member interviews to gather information, resolve discrepancies, and verify underwriting documentation
• Analyze income documentation to assess financial qualifications and support underwriters
• Ensure compliance with laws, regulations, Fair Credit Lending Practices, and Credit Union policies
• Assist with audits when required
• Participate in staff development programs
• Report to work on time and perform other assigned duties

Consumer Web Loan Officer processing loans and advising members for a California credit union

Consumer Web Loan Officer

Consumer Web Loan Officer processing web loan applications and making lending decisions for Logix Federal Credit Union. Advising members on products, referrals, compliance, and relationship growth.

• The Senior Commercial Loan Officer is responsible for executing the Credit Union’s strategic priorities and objectives related to commercial real estate loan products.
• Responsible for developing and building relationships with commercial loan brokers, economic development programs, and California businesses, providing a variety of commercial real estate loan and deposit products and services based on the members' needs.
• Collaborates with other business units and serves as a commercial real estate lending expert for the credit union.
• Monitors and controls loan data by ensuring data is accurately booked against documentation.
• Manage, grow and execute business development activities and maintain pipeline statistics surrounding these activities.
• Individually generate annual commercial real estate loan production as agreed by management.
• Develop, implement, and maintain effective production strategies that enhance Golden 1 Business Services market position to help the credit union achieve budgeted business services production goals.
• Mentor and lead business loan officers and support team in the loan processes and member service best practices.
• Ensure effective delivery of exceptional member service, loan quality, and loan retention by building relationships with California businesses that exceed the alternatives in the marketplace.

Senior Commercial Loan Officer executing commercial real estate loan strategies and managing relationships

Senior Commercial Loan Officer, Sacramento Region

Senior Commercial Loan Officer executing commercial real estate loan strategies while building relationships with California businesses. Collaborates with credit union peers to achieve business objectives.

• Originate and close residential mortgage loans that meet organizational goals and maximize profitability
• Meet and exceed performance goals, ensuring compliance with lending regulations and maintaining loan quality
• Ensure a high level of member satisfaction through the delivery of excellent service and execution of the daily operations of the Credit Union's Member Experience protocols according to established standards
• Develop and maintain self-generated referral relationships with real estate professionals and other key partners through branded marketing, events, and educational outreach
• Guide members through the loan application process with integrity and a sense of urgency
• Maintain knowledge of loan products and underwriting guidelines
• Provide consultative service to members, analyzing financial information and identifying appropriate loan solutions
• Partner with Logix Retail Banking team to deepen member relationships
• Work collaboratively with processing and underwriting teams to deliver on-time closings and member delight
• Leverage Logix business partners to identify sales opportunities and drive member engagement
• Actively leverage marketing strategies and Customer Relationship Management (CRM) tools to build a sustainable pipeline and deliver best-in-class member experience
• Develop and execute personalized marketing campaigns using CRM tools and automated workflows
• Collaborate with Marketing to deploy email campaigns, social media, and branded content
• Use digital platforms to grow presence in Logix market area

Real Estate Loan Officer originating residential mortgage loans at Logix Federal Credit Union

Residential RE Loan Officer

Real Estate Loan Officer responsible for originating and closing residential mortgage loans. Focused on member service and developing referral relationships in the Valencia, CA area.

• Develop and maintain relationships with commercial real estate investors, borrowers, mortgage brokers, and other referral sources
• Source new lending opportunities for acquisition, refinance, cash-out, bridge, and value-add transactions
• Analyze borrower financial statements, rent rolls, operating statements, and property cash flows to assess creditworthiness and lending opportunities.
• Structure loan transactions that meet borrower objectives while adhering to credit policy and risk management guidelines
• Evaluate key credit metrics including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt yield, sponsorship strength, and global cash flow.
• Present lending opportunities and recommendations to Credit and Executive Management
• Negotiate loan terms, pricing, and conditions with borrowers and referral partners
• Manage the transaction process from initial screening through funding, ensuring timely execution and an exceptional client experience
• Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle
• Monitor market trends, property values, and competitive lending activity within assigned territories
• Maintain a strong pipeline of opportunities and achieve established production goals
• Ensure compliance with regulatory requirements, internal policies, and credit standards
• Support portfolio retention efforts, loan modifications, and relationship expansion opportunities as needed

Commercial Loan Officer managing relationships and transactions for Axos Bank

Commercial Loan Officer

Commercial Loan Officer at Axos Bank responsible for originating loans secured by income-producing properties. Building relationships and managing transactions in commercial real estate lending.

• Cultivates strong member relationships by providing high-quality service and identifying financial needs to recommend appropriate products and services.
• Supports department sales goals by promoting and selling a full range of financial products, including depository products, consumer loans, insurance, and real estate loans.
• Executes the Credit Union's Member Experience protocols, assessing member financial needs and identifying referral opportunities for business partners such as Financial Consultants, Business Banking, and Insurance Services.
• Utilizes credit scoring, sound lending practices, regulatory requirements, and sound judgment to make informed lending decisions for the benefit of members.
• Clearly explains loan denials, explores alternative options, and advocates for members as needed.
• Processes member applications, including loan funding and payment setup, with accuracy, efficiency, and attention to detail.
• Ensures the quality and accuracy of all work performed.
• Identifies business development opportunities through outbound calling efforts and other initiatives.
• Responds promptly and professionally to member inquiries via telephone, credit union SMS, and/or email, addressing member questions and other member needs.
• Monitors individual pipelines for timely follow-up, ensuring all members requesting consumer and real estate applications are contacted to confirm delivery.
• Conducts fraud prevention efforts through detailed interviews, documentation review, and identifying high-risk factors using credit reports.
• Participates in staff development programs and may assist in training and mentoring other team members to promote continuous improvement in sales, service, quality, and teamwork.
• Ensures compliance with all applicable laws, regulations, and Credit Union policies, including Fair Lending Practices.
• Maintains accurate and current files, performs routine office duties, and handles other responsibilities as assigned.

Loan Officer handling inquiries and processing loans at a credit union

LPC Loan Officer

Loan Officer responsible for loan inquiries, processing, and fostering member relationships in a federally insured credit union. Collaborating to maintain high loan quality standards and exceptional member experiences.

Loan Officer jobs in California

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Consumer Web Loan Officer

Senior Commercial Loan Officer, Sacramento Region

Residential RE Loan Officer

Commercial Loan Officer

LPC Loan Officer