Credit Union Real Estate Loan Officer

USC Credit Union is seeking a dedicated and experienced Real Estate Loan Officer to join our team. We located near the University Park campus in Downtown Los Angeles. Our mission is to be a trusted provider of objective financial education for our members, empowering them to make informed financial decisions. The ideal candidate will focus on serving the local community surrounding USC's campuses, which have unique product and service needs. We are particularly looking for someone who is adept in community lending and possesses strong interpersonal skills with a member service orientation.

Responsibilities include, but are not limited to:

• Sells real estate loans to Credit Union members. Originates first and second trust deed mortgage loans in accordance with investor requirements and USC Credit Union.
• Identifies, cultivates, solicits, interviews and consults with prospective borrowers. Communicates loan process, loan rates, programs, fees and other relevant loan information.
• Presents Homebuyer workshops and other educational classes and serves as a resource to potential buyers. Actively cultivate and maintain relationships with real estate agents, brokers, and other third-party partners to generate referral business and enhance community outreach.
• Performs credit qualification(s), using secondary market standards.   Determines most suitable loan program for applicants.
• Liaises with title companies, escrow companies, appraisal companies, real estate offices, government agencies, etc. to facilitate closing of loans.
• Reviews applications for accuracy and completeness.  Prepares loan files for review, ensuring complete and accurate documentation.
• Responsible to cross sell members additional products and services, as appropriate.
• Must meet minimum monthly and annual sales goals.
• Stays current with Credit Union, university, federal, state and/or regulatory changes and ensures borrows are informed of changes and updates.  Attends meetings, conferences and training classes as needed.

The ideal candidate will:

• Have a minimum of 5 years’ experience in a financial institution.
• Possess a high sense of urgency, attention to detail, initiative and integrity
• Have exceptional interpersonal, customer service and communication skills
• Pass a pre-employment background and credit check

Compensation:

The hourly base salary range for this position is $40.00 - $42.00. When extending an offer of employment, the University of Southern California considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, key skills, internal peer equity, federal, state, and local laws, contractual stipulations, grant funding, as well as external market and organizational considerations.

Why USC Credit Union is a great place to work:

• Medical through USC Network, Blue Cross, and Kaiser: https://employees.usc.edu/medical/
• Dental: https://employees.usc.edu/dental/
• Vision: https://employees.usc.edu/vision/
• Dependent Care and Health Care Flexible Spending Accounts (FSAs): https://employees.usc.edu/fsas/
• Retirement with up to 10% employer contributions: https://employees.usc.edu/usc-retirement-savings-program/
• Tuition reimbursement: https://employees.usc.edu/tuition-benefits/
• Paid Time Off (PTO) including, up to 24 vacation days (based on tenure), 12 sick days, 9 paid holidays, 1 paid personal day, 4 paid winter recess days, paid bereavement, and paid jury duty: https://employees.usc.edu/time-off/
• Life and voluntary insurance benefits: https://employees.usc.edu/insurance-benefits/
• WorkWell Center that provides programs, resources, and services to benefits-eligible staff and their dependents, that help them thrive in all areas of work-life wellness: https://workwell.usc.edu/
• Other generous perks and discounts: https://employees.usc.edu/perks/

Fight on!

Minimum Education: High school or equivalent Minimum Experience: 3 years Minimum Field of Expertise: Thorough knowledge of real estate lending. Demonstrated excellent written and verbal skills.