Job Description
Job Description
Title - Manufactured Home Loan Officer
Location - Hybrid (Office location - Foothill Ranch, CA 92610)
FLSA - Non-exempt
Pay Rate - $26 - 30 an hour
Summary: Reporting to the Manufactured Home Loan Manager, this position is responsible for evaluating and making decisions on manufactured home loan applications and cultivating existing/prospective member relationships. The Manufactured Home Loan Officer is responsible for competently underwriting quality loans within the established Eagle Community Credit Union (ECCU) guidelines and policies as well as State and Federal regulations. Demonstrates and provides excellent service to members, team members, and partners through professional, efficient, accurate, and knowledgeable service delivery. Must also be capable of resolving lending issues. Works closely with the Manufactured Home Loan Manager and staff to ensure contract packages are complete and consistent with published policies. May provide members with financial advice and counseling on a limited basis.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
- Loan Origination: Assist members with the application process for manufactured home loans, ensuring all required documentation is complete and accurate.
- Member Consultation: Provide personalized financial advice and solutions to members seeking manufactured home loans.
- Credit Analysis: Evaluate members’ creditworthiness by analyzing credit reports, income statements, and other financial documents.
- Loan Processing: Coordinate with Loan Processors and other team members to ensure timely and efficient processing of loan applications.
- Compliance: Ensure all loan applications comply with federal, state, and credit union regulations and policies.
- Relationship Building: Develop and maintain strong relationships with members, real estate agents, and other stakeholders.
- Market Knowledge: Stay informed about industry trends, market conditions, and regulatory changes affecting manufactured home loans.
- Member Benefits: Knowledgeable about Credit Union products and services and can recommend appropriate additional products to members.
SECONDARY DUTIES AND RESPONSIBILITIES:
- Stays informed on credit union products, services, procedures, and new developments.
- Organizes time and resources to meet deadlines and accomplish all work assignments.
- Assists Manufactured Home Loan Manager on additional administrative tasks.
- Contributes to credit union growth and profitability goals.
- Provide excellent member services.
- Supports credit union goals and objectives and actively participates in training sessions and special promotions.
Education/Experience:
1. High school diploma or equivalent
2. Associate//Bachelor's degree preferred
3. Minimum of 3 years of experience in loan origination, preferably with a focus on manufactured home loans in parks on leased land.
4. Experience with the use of Loan Origination system (s) preferred.
Language Ability:
- Ability to read and interpret documents such as policy and procedural manuals, disclosure forms, State, Federal, and credit union industry rules, regulations, and correspondence.
- Ability to write routine reports and correspondence.
- 3. Demonstrated ability to work effectively with others in a team environment.
- 4. Bilingual: English and/or a second language is a plus. Spanish or Vietnamese preferred
Math Ability:
- Ability to work with mathematical concepts such as probability and statistical inference.
- Ability to compute rate, ratio and percent and to draw and/or interpret different types of graphs and charts.
- Functional knowledge of annual percentage rates and loan amortizations.
Reasoning Ability:
- Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
- Ability to resolve problems with limited supervision and provide solutions involving several variables in routine situations.
- Must be able to exercise sound judgment and critical thinking when making decisions about loan applications.
Computer Skills:
- Knowledge of MS Word, Excel, Outlook, PowerPoint, and the Internet.
- Knowledge of Symitar and ECCU's Loan Origination Systems (CUDL/TCI) are preferred.
Certificates and Licenses: Mortgage Loan Originator registration with NMLS is required.
Supervisory Responsibilities: This job has no supervisory responsibilities.
Salary Range - $26 - 30 an hour
Equal Opportunity/Affirmative Action Employer
Eagle Community Credit Union is committed to a workplace free from unlawful discrimination based on race, color, religion, sex, gender identity, age, national origin, citizenship, disability, sexual orientation, veteran status, genetic information, or any other classification protected by applicable federal, state or local law. This applies to all terms, conditions, and privileges of employment, including, without limitation, recruitment, hiring, assignment, training, promotion, compensation, evaluation, discipline, and discharge. For more information, please view https://www.dol.gov/agencies/ofccp/posters.
Eagle Community Credit Union values the contributions of our diverse workforce, including those with disabilities. Eagle is committed to complying fully with the Americans with Disabilities Act (ADA) and other applicable federal, state, and local laws. Eagle is also committed to ensuring equal opportunity in employment for qualified persons with disabilities. This Company prohibits discrimination against applicants and employees on the basis of disability as it pertains to the job application and hiring process and other terms and conditions of employment. If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact accommodation@eaglecu.org. This email is created exclusively to assist disabled job seekers who disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or other technical issues not related to a disability, will not receive a response.
Benefits Offered:
- Medical
- Dental
- Vision
- Life Insurance
- Flexible Spending Account
- 401(k) Matching
- Paid Time Off (PTO)
- Training Provided
- Tuition Reimbursement
- Volunteer Time Off
- Supplemental Insurance
- Employee Discounts