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<h3>Job Description</h3>
Job Description
I. Job Summary A. The Private Loan Officer will originate residential, commercial, and land loans funded by private investors. B. This position includes loan underwriting and the preparation of closing documents. II. Skills Needed A. Typing (minimum of 30 words per minute) B. Strong Math Skills C. Orderliness and Organizational Skills D. Ability to communicate clearly and concisely E. Ability to operate office machines, such as computer, photocopier, fax, scanner, E-mail, standard and financial calculators F. Ability to calculate income based on wage stubs, W-2s and 1099s, tax returns, bank statements, DSCR, and self-employed borrower cashflow analysis. III. Experience Required A. The Private Money Loan Officer should have a minimum of 3 years experience originating private loans. B. The experience should include not only private residential originations, but also commercial, land, manufactured home, construction, and rehab loan originations. III. Licensing Required A. The Private Money Loan Officer must have a NMLS Residential Loan Originator’s license in the State of Oregon. B. The Private Money Loan Officer must maintain this license by taking all required annual continuing education. IV. Basic Duties A. Prequalify potential borrowers. B. Send initial authorizations, disclosures, and loan documentation checklist to the borrower(s) of loans that are determined to be doable. C. Gather property documents from assessor websites. D. Pull comparables and fill out the Comparables Worksheet. E. Analyze property value and Loan To Value. F. Pull Credit Reports. G. Gather financial and income documents. H. Analyze credit, income, and debt ratio. I. Take loan applications. J. Inspect and photograph subject property. K. Fill out the Underwriting Worksheet. L. Prepare Loan Investment Summaries. M. Send Loan Investment Summaries to private investors and record responses. N. Open escrow and order preliminary title report. O. Order the appraisal. P. Do environmental searches on the Oregon Department of Environmental Quality website. Q. Order Insurance binders. R. Prepare and send the Loan Investment Package to Investors prior to closing. S. Prepare the Escrow Instructions, Promissory Note, Trust Deed, and other closing documents. T. Assist with clearing funding conditions. U. Obtain signed Note, recorded Trust Deed, Final Settlement Statement, Loan Servicing Agreement, and lenders Title Policy from escrow company after closing. V. Record loan data on closed loan registers.
W. Assist with preparing Mortgage Call Reports. V. Job Terms A. Full Time B. Schedule: 8 – 5 or negotiable, Monday - Friday C. Pay Rate: Commission based: 50% of the company origination fee for each closed private loan, plus you get the full processing fee, underwriting fee, and document preparation fee charged by company. D. Work Location: In person and in office
Company DescriptionWe are a small mortgage brokerage known for honesty, creativity, a full array of conventional, sub-prime, and private lender options. We also do construction, rehab, land, and commercial loans, plus we buy seller financed land sale contracts and Notes and Trust Deeds. 
<h3>Company Description</h3>
We are a small mortgage brokerage known for honesty, creativity, a full array of conventional, sub-prime, and private lender options. We also do construction, rehab, land, and commercial loans, plus we buy seller financed land sale contracts and Notes and Trust Deeds.

Loan Officer

<h3>Job Description</h3>
Job DescriptionActively seeking an experienced commercial lender to join a team of successful professionals who will collectively develop creative financing solutions to resolve complex and often unique issues for local businesses with revenues $5-150MM. The successful candidate will solicit the sale of bank services to businesses. Other duties and responsibilities include collecting and analyzing financial data to determine the creditworthiness of the prospect. Provide secured financing solutions in support of working capital growth, acquisitions and debt restructuring for your new and existing clients with the goal of generating income and enhancing the Bank's overall profitability. With the assistance of the credit team, you will establish and negotiate terms under which credit will be extended, including costs, repayment method and collateral requirements. Prospecting and maintaining dialogues with sponsor groups, financial intermediaries, businesses, accountants, attorneys and other centers of influence. Develop and maintain a direct calling database of prospects.Job Requirements
<ul>
<li>5+ years of commercial lending experience</li>
<li>Bachelor's degree: Finance, Accounting, Economics, Marketing (preferred)</li>
<li>Strong understanding of commercial depository services</li>
<li>Excellent credit skills and general familiarity with commercial documentation</li>
<li>Established book of business required</li>
</ul>
For further consideration towards this and/or other opportunities please inquire confidentially to <a href="mailto:mike@scsacramento.com" target="_blank">mike@scsacramento.com</a> or call 916-850-2437. All inquiries held in strict confidence. Thank you for your interest.

Commercial Loan Officer

<h3>Job Description</h3>
Job DescriptionDescription:
Commercial Loan Officer
Exempt - Grade Level 8 
Equal Employment Opportunity 
Corporate Values &amp; Mission
“Provide superior service, quality advice and show utmost respect to everyone we meet.”
General Summary
As a Commercial Lender, you will develop and manage commercial loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk.
Reports To: VP Market Manager
Essential Duties and Responsibilities
<ul>
<li>Monitor assigned loan portfolio by maintaining accurate loan grades and risk assessments. Portfolio to consist of 75-150 accounts totaling $30-35,000,000.00.</li>
<li>Make sales calls and develop new business by contacting prospects and existing clients.</li>
<li>Interview loan applicants. Collect and analyze financial and related data to determine general creditworthiness of the borrower and merits of the specific loan request to evaluate for the purpose of making commercial loans and/or continuation/renewal of existing loans.</li>
<li>Prepare and/or present loan presentations for committee review and approval authority</li>
<li>Be active in community affairs to increase bank’s visibility and to enhance new business opportunities. </li>
<li>Additional responsibilities as assigned.</li>
<li>Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.</li>
<li>Be familiar with and comply with all federal and state banking regulations as applicable.</li>
</ul>
Qualifications
To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.
Experience and/or Education
<ul>
<li>Lending and/or Credit experience required</li>
<li>Three (3) to Five (5) years of progressively more responsible job-related experience to become familiar with all lending functions and regulatory requirements.</li>
<li>Bachelor's Degree in business-related major </li>
</ul>
CORE COMPETENCIES
In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:
Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings; writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.
Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.
Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.
Judgment – Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.
Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
By signing below, I acknowledge and understand the expectations and requirements of my role and agree to meet these duties to the best of my ability.
____________________________________ _____________
Employee Signature Date
____________________________________
Employee Name Printed (please print legibly)
____________________________________ _____________
Supervisor Signature Date
____________________________________ _____________
Human Resources Signature Date
Requirements:

<h3>Job Description</h3>
Job Description
We are looking for an experienced, service, and detail-oriented mortgage loan officer to join our team. We believe in removing obstacles and creating a supportive environment for you to thrive in. If you have a proven track record of creating lending solutions for your clients, wed love to have you on our team. Please apply today!
 Benefits
Annual Base Salary + Commission
Work from Home
Flexible Schedule
Health Insurance
Dental Insurance
Vision Insurance
Hands on Training
Career Growth Opportunities
Retirement Plan
 Responsibilities 
<ul>
<li>Establish and maintain relationships with realtors, bank officers, builders, and the community at large in order to retain existing and attract new business</li>
<li>Review the loan process by monitoring loan status, term conformity, and regulatory guidelines</li>
<li>Work closely with industry related professionals to gather and prepare all necessary information to complete underwriting requirements</li>
<li>Interact with customers, realtors, processors, and underwriters to ensure a smooth transaction</li>
<li>Exceed our production standards by maintaining an active pipeline</li>
</ul>
 Requirements 
<ul>
<li>Provide excellent interpersonal and customer service skills, superior written and verbal communication skills, and exceptional decision-making ability</li>
<li>Requires compliance with lending regulations and bank underwriting guidelines and lending policies</li>
<li>Understanding of loan originator software such as Experian, LendingWise, or Calyx, and Office Suite highly preferred</li>
<li>Understand a variety of loans such as: FHA, VA, USDA, conventional, fixed/ adjustable, bridge, non-conforming, FNMA and FHLMC, and Home Equity Lines of Credit</li>
<li>Multiple years of real estate, mortgage origination, or lending required</li>
</ul>

<h3>Job Description</h3>
Job DescriptionSalary: 
The Loan Officer is responsible for underwriting quality consumer loans in compliance with applicable laws, regulations, and credit union policies. This role includes providing accurate and timely responses to members regarding loan decisions, as well as gathering necessary documentation to ensure complete loan packages. The Loan Officer is expected to generate quality loans that meet the needs of both the credit union and its members.
In addition to lending responsibilities, this position plays a key role in delivering exceptional member service. The Loan Officer promotes credit union products and services while ensuring all interactions are handled in a friendly, timely, and professional manner.
 
Responsibilities
<ul>
<li>Lending &amp; Underwriting</li>
<li>Interview members, provide guidance on consumer lending options, and complete accurate loan applications.</li>
<li>Analyze loan applications, credit reports, collateral, financial statements, and supporting documents to make sound and consistent lending decisions within assigned authority.</li>
<li>Calculate debt-to-income ratios, assess collateral valuation, and determine overall loan quality.</li>
<li>Administer loan documentation and creditworthiness reviews to ensure timely and compliant loan closings.</li>
<li>Manage indirect lending activities by analyzing applications submitted through dealerships, funding approved loans, and reaching out to members directly to resolve questions or documentation issues.</li>
<li>Communicate and troubleshoot issues within the indirect lending platform to ensure smooth processing and member satisfaction.</li>
<li>Collaborate with management to strengthen dealer relationships and increase participation in the credit unions indirect lending program.</li>
<li>Identify and pursue opportunities for cross-selling additional credit union loan products and services.</li>
<li>Compliance &amp; Risk Management</li>
<li>Stay current with lending and collection regulations, ensuring all activities comply with applicable laws and credit union policies.</li>
<li>Maintain working knowledge of regulations including Reg B, Reg Z, Reg CC, the Fair Credit Reporting Act, the Bank Secrecy Act, the Patriot Act, Anti-Money Laundering requirements, and SAFE Act guidelines.</li>
<li>Uphold all Jefferson Credit Union policies and procedures while safeguarding member and credit union interests.</li>
<li>All other duties as assigned by management.</li>
</ul>
 
Required Qualifications
<ul>
<li>High school diploma or equivalent; associate or bachelors degree in Finance, Business, or related field preferred.</li>
<li>13 years of experience in consumer lending, underwriting, or related financial services.</li>
<li>Working knowledge of loan origination systems, credit analysis, and indirect lending processes.</li>
<li>Familiarity with compliance and regulatory standards including Reg B, Reg Z, FCRA, BSA/AML, and SAFE Act.</li>
<li>Strong financial analysis skills with ability to calculate debt-to-income ratios and assess collateral values.</li>
<li>Excellent communication and interpersonal skills with a professional, member-focused approach.</li>
<li>Proficiency with Microsoft Office and ability to learn new software quickly.</li>
<li>Highly organized and detail-oriented, able to manage multiple applications and deadlines.</li>
</ul>
 
Preferred Qualifications
<ul>
<li>Bachelors degree in Finance, Business Administration, or related field.</li>
<li>3+ years of experience in a credit union or community banking environment.</li>
<li>Experience with indirect lending platforms and direct communication with dealerships.</li>
<li>Established understanding of risk-based lending and consumer loan portfolio management.</li>
<li>Demonstrated success in cross-selling financial products and services.</li>
</ul>

<h3>Job Description</h3>
Job Description
Job Status: Salary, Exempt
JOB DESCRIPTION
Objective/Summary: The loan officer develops and maintains a variety of business (commercial, construction and agriculture) and individual relationships with prospective and existing customers. Makes decisions on loans and terms within established lending limits or recommendations to the Loan Committee. Monitors current loans to ensure complete compliance with terms. Gives financial advice and counsel to current and prospective customers. Calls on potential or current customers to develop new business and/or increase or retain existing business. Administers or refers customers to all credit, deposit, and other financial services products offered by the bank.
Essential Functions: 
<ul>
<li>Solicits new loans and deposits from perspective and existing customers.</li>
<li>Extends credit within loan limits.</li>
<li>Refers credit to superior or loan committee for credit outside of loan authority.</li>
<li>Refers or Sells non-bank financial products.</li>
<li>Sells bank business services.</li>
<li>Services existing customer accounts.</li>
<li>Performs regular reviews and inspections of existing credits.</li>
<li>Follows up on past due or watch list credits.</li>
<li>Interacts in a professional, courteous manner with customers, co-workers, vendors, etc…</li>
<li>Maintains strict confidentiality guidelines in accordance with Company policy.</li>
<li>Demonstrates knowledge and expertise of general bank accounting procedures and support the Company’s overall mission, standards, policies and procedures, and confidentiality guidelines.</li>
<li>Maintain personal grooming and company dress and appearance standards.</li>
<li>Maintain company attendance standards.</li>
<li>Other tasks as assigned.</li>
</ul>
EDUCATION, EXPERIENCE AND REQUIREMENTS:
<ul>
<li>Bachelor’s Degree in Business Administration preferred or equivalent combination of education and work experience.</li>
<li>A valid driver’s license.</li>
<li>Satisfactory credit and criminal background check.</li>
</ul>
SKILLS AND PHYSICAL DEMANDS:
<ul>
<li>Skills:
<ul>
<li>Hard Skills: Proficient in basic computer operations. Proficient in 10-key. Proficient in Microsoft Office Word and Excel. Able to type efficiently.</li>
<li>Soft Skills: Good verbal and written communication skills, attention to detail , organization skills, can-do attitude, problem solving skills, decision-making skills sense of urgency, and strong work ethic.</li>
</ul>
</li>
<li>Typical Physical Demands:
<ul>
<li>Regularly required to talk and hear. </li>
<li>Requires sitting for an extending period with some walking, with some bending, kneeling, stooping, crouching, crawling, and climbing.</li>
<li>Occasional light lifting not over 25lbs.</li>
<li>Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.</li>
</ul>
</li>
</ul>
Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time. 
Affirmative Action/EEO Policy Statement 
InterBank is committed to maintaining an environment of equal opportunity. Accordingly, it is InterBank’s policy to provide equal opportunity for employment, advancement, and benefits to all qualified applicants and employees without regard to age, race, religion, sex, color, national origin, disability, citizenship status, uniform service membership/veteran status, or any other protected status as established by law.
Our commitment is to achieve and maintain excellence through full and equal opportunity, which is fundamental to the existence of InterBank. It is therefore the policy of InterBank not only to avoid direct discrimination but to go further. The company will act affirmatively to identify and eliminate barriers that may exclude or impede members of certain groups in their pursuit of excellence. Such affirmative action will address the treatment of persons who are already members of the company, as well as applicants for admission or employment.

<h3>Job Description</h3>
Job DescriptionActively seeking an experienced commercial lender to join a team of successful professionals who will collectively develop creative financing solutions to resolve complex and often unique issues for local businesses with revenues $5-150MM. The successful candidate will solicit the sale of bank services to businesses. Other duties and responsibilities include collecting and analyzing financial data to determine the creditworthiness of the prospect. Provide secured financing solutions in support of working capital growth, acquisitions and debt restructuring for your new and existing clients with the goal of generating income and enhancing the Bank's overall profitability. With the assistance of the credit team, you will establish and negotiate terms under which credit will be extended, including costs, repayment method and collateral requirements. Prospecting and maintaining dialogues with sponsor groups, financial intermediaries, businesses, accountants, attorneys and other centers of influence. Develop and maintain a direct calling database of prospects.Job Requirements
<ul>
<li>5+ years of commercial lending experience</li>
<li>Bachelor's degree: Finance, Accounting, Economics, Marketing (preferred)</li>
<li>Strong understanding of commercial depository services</li>
<li>Excellent credit skills and general familiarity with commercial documentation</li>
</ul>
For further consideration towards this and/or other opportunities please inquire confidentially to <a href="mailto:mike@scsacramento.com" target="_blank">mike@scsacramento.com</a> or call 916-850-2437. All inquiries held in strict confidence. Thank you for your interest.

<h3>Job Description</h3>
Job Description
We are seeking a Mortgage Loan Officer to become a part of our team!&nbsp;
Do you work for a retail lender? Have you ever thought of what it would be like to be a mortgage broker?&nbsp;&nbsp; Do you ever wondering why mortgage brokers are beating your deals?&nbsp; I have been a mortgage broker for over 20 years, and I would love to share with you why you should be a broker.&nbsp; Our resources are unlimited.&nbsp; Our loan programs endless.&nbsp; Our closing process is unmatched.&nbsp;&nbsp;
Can you imagine how many more deals you could close if you have endless options, no overlays, and multiple lenders behind you fighting for your business.&nbsp; Mortgage brokers have now captured over 22% of the current market share.&nbsp; The biggest lenders in the industry literally battle to be #1 and the broker gets all the benefits.&nbsp;&nbsp;
We are a local Mortgage brokerage that has been in the business for over 20 years. We have aggressive marketing campaigns, and we are looking for experienced loan officers to help. We provide&nbsp;leads to help you generate business and grow with us. If you are currently working for a retail mortgage company, you are missing out of the opportunity of providing the consumer the best loan options. I can guarantee we can provide the consumer the best rates.
We also have State of the Art technology using best LOS &amp; CRM combo in the market. Full-time in-house operations team to insure your loan closes quickly and painless. We are all about providing the consumer the ultimate experience.
Responsibilities:
<ul>
<li>Work in the office Monday - Friday</li>
<li>Advise borrowers on financial status and payment methods</li>
<li>Guide customers through the&nbsp;loan application process</li>
<li>File loan applications and supporting documents&nbsp;</li>
<li>Develop and maintain realtor relationships</li>
</ul>
​Qualifications:
<ul>
<li>At least 1 year of previous experience in mortgage origination</li>
<li>Familiarity with lending guidelines</li>
<li>Ability to build rapport with clients and referral partners</li>
<li>Proficient with computer</li>
<li>Excellent communication and organizational skills</li>
</ul>

Mortgage Loan Officer

<h3>Job Description</h3>
Job Description
Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities
What you'll do at Cascade:
Serve the American Dream Through Attainable Home Ownership.
Help us keep up with our growth! We are looking for Licensed Mortgage Loan Officers with experience who want to be part of a fast-growing lending company. We have a locked in customer base and business is booming with purchases. We finance manufactured homes, and our niche is unique and stable.
You must be willing to work in a high-energy environment and provide an extremely high level of service to our clientele. You will need the ability to grasp new concepts, master new loan products, and work effectively with computers and technology.
How you'll do it:
<ul>
<li>Performs activities requiring an NMLS Loan Originator license.</li>
<li>Reviews applications received from our manufactured home retailer partners.</li>
<li>Builds &amp; solidifies relationships with manufactured home retail partners.</li>
<li>Communicates with prospective home buyers and reviewing lending options.</li>
<li>Executes prescribed contact and sales strategies through consistent, capable operation of the Phone and Lead Management systems.</li>
<li>Assists in gathering payment information as well as loan documentation including customer-executed documents.</li>
<li>Prepares files for submission to Operations, works as needed with Operations to ensure the timely closing of the loans in the LO's pipeline.</li>
<li>Provides excellent customer service through timely follow up and courteous professional correspondence with customers and Cascade team members.</li>
<li>Maintains confidentiality of all sensitive customer and company information at all times.</li>
<li>Works independently, operating within division or department policy guidelines using sound judgment to achieve assigned objectives.</li>
<li>Complies with all safety policies, practices, and procedures. Reports all unsafe activities to supervisor and/or Human Resources.</li>
<li>Participates proactively in team efforts to achieve departmental and company goals.</li>
<li>Performs other Sales-related duties as assigned by Management.</li>
</ul>
What you'll need to join Cascade:
<ul>
<li>Active NMLS license is required.</li>
<li>High School diploma or general education degree (GED)</li>
<li>2 years of completed college coursework at an accredited institution.</li>
<li>Experience with Encompass and Velocify is a plus but is not required.</li>
<li>Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write information and respond to questions from groups of managers, clients, customers, and the general public.</li>
<li>Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.</li>
<li>Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form.</li>
<li>Ability to deal with problems involving several concrete variables in standardized situations.</li>
<li>Proficient personal computer skills including electronic mail, record-keeping, routine lead and phone system management activity, word processing, spreadsheet, graphics, etc.</li>
<li>Can consistently organize and prioritize management-delegated assignments.</li>
</ul>
About Cascade &amp; Our Culture:
Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry.
The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: T.I.E.S. Teamwork, Integrity, Excellence, and Service. We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference.
Join our team and assist us to Serve the American Dream Through Attainable Home Ownership.

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