Mortgage Officer

  • Safe Credit Union
  • Folsom, CA, USA
  • Apr 09, 2021
Full time Banking Real Estate

Job Description


Under the direction of a Senior Mortgage Officer, originate real estate loans from various lead sources.  Provide exceptional service while guiding members through the home loan process.  Analyze members’ financial data and use that information to provide them with home loan products that meet their needs.


  • Originates real estate loans on behalf of the Senior Mortgage Officer.
  • Analyze detailed financial and credit data, matching borrowers needs with an appropriate loan program and level of risk.
  • Make outbound calls to realtors and prospects and schedule appointments.
  • Maintain constant communication with members, vendors, and other staff to uphold clear expectations throughout the closing process.
  • Responsible to send required documentation to Mortgage Assistant in a timely fashion so up-front mortgage RESPA disclosure requirements can be met.
  • Maintain current, complete & accurate status in origination systems for all loans assigned.
  • Submit timely, accurate and complete mortgage files to Real Estate Operations for processing, underwriting, doc drawing and funding.
  • Follow up on assigned referrals in timely fashion
  • Connect weekly with processor to verify status of loans in pipeline
  • Meet minimum production goals assigned.
  • Other duties as assigned.


To perform this job successfully an individual must be able to perform each essential duty satisfactorily.  The requirements listed below represent the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Associate's degree (A.A.) or equivalent from two-year college or technical school; three to five years related experience.


Ability to read and interpret documents such as title reports, loan applications, loan disclosures, and policy and procedure manuals.  Ability to write routine reports and correspondence.  Able to effectively communicate loan status and upcoming time frame expectations with members, 1st Mortgage Officers, Realtors and other referral partners.


Ability to calculate figures and amounts such as origination fees, discount points, interest, commissions, PITI payments, & percentages.


Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.


  • NMLS license


  • Ability to type 35 words per minute
  • Prior residential lending experience
  • Familiar with LOS systems, and underwriting & funding requirements


  • Strong sales and organizational skills
  • Availability to assist borrowers on evenings and weekends
  • Detail-oriented
  • Customer service experience
  • Excellent communication skills
  • Solution oriented problem solver
  • Demonstrated drive, initiative & desire to get work done quickly
  • Strong desire to continue learning about the residential mortgage industry, provide cutting edge support and improve the financial well-being of SAFE’s members
  • Proficient in MS Office Applications (Outlook, Excel, Word, Power Point)
  • Mortgage Industry experience


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and reach with hands and arms. Specific vision abilities required by this job include close vision and ability to adjust focus.


The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually light to moderate.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.