Working for Pacific Service Credit Union

We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team.

What’s in it for you?

Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.

401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. All employees are vested at 100% for the employer match beginning the first day of employment.

Bonus program: All employees are rewarded for attaining our annual organizational goals.

Tuition Reimbursement program for employees eligible after six months of service.

Recognition program where employees can be nominated by management, their peers or by members.

Employee referral bonus.

Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service.

Employees are eligible to receive a consumer loan rate discount

Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.

Our Hiring Process

We believe it’s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible.

Apply: Submit your resume for one of our job openings.

Our Talent Team and our partner – Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible.

In-Person Interview: After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s).

If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process!

Position Summary: The Real Estate Loan Officer is responsible for proactively soliciting new residential real estate loans to meet established loan quality and production goals of Pacific Service Credit Union. This position will handle branch and call center generated referrals along with self-generated referrals. This position will develop and maintain long-term relationships with members, approved organizations, and communities we serve to ensure recurring real estate loan prospects and referrals.

Essential Functions:

• Originate real estate loans from membership and self-sourced business while providing exceptional service. Discuss real estate loan products and options via phone, email or in person with prospective and current members/borrowers.
• Assist with appropriate real estate product selection, lock request, provide applicable disclosures as required by law and dictated by the credit union process.
• Obtain and analyze pertinent financial and credit data. Complete the initial assessment of the real estate application including a review of credit, financial data and collateral information to prepare for processing and loan approval.
• Maintain a thorough understanding of state and federal laws and regulations applicable to the credit union and secondary market compliance including RESPA, HPML, HOEPA, HCML, ATR/QM, bank secrecy and anti-money laundering laws appropriate to the position.
• Experience with Fannie Mae Desktop Underwriter (DU) or Freddie Mac Loan Prospector (LP) and proven ability to verify and understand findings to build quality loan applications per FNMA/FHLMC standards.
• Manage a real estate pipeline closely to ensure loans are handled promptly, efficiently and accurately to ensure exceptional service and resulting in market leading turn time on applications.
• Oversee the loan process from origination to close and provide on-going communication to applicants as needed. This includes negotiating the interest rate and loan terms due to change in the initial qualification caused by collateral, income or financial data verification.
• Assists in promoting purposeful and productive member contact by identifying all member financing needs and capturing every opportunity to upsell or cross-sell.
• Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism.
• Consistently notate conversations with member in the LOS to ensure proper communication.
• Must be proficient and have a thorough understanding of manual underwriting.

Non-Essential Functions:

• General clerical duties as assigned.
• Assist other departments where appropriate when assigned by supervisor.

Knowledge, Qualifications and Skills:

• Education: High school diploma or equivalent required. College degree preferred or equivalent work experience required.
• Experience: Minimum five years in a real estate related function with at least two years generating self-sourced business. Proven success in meeting/exceeding individual and company goals. Sales experience is required.
• Skills and Abilities:
• Exceptional member service skills.
• Strong credit and general financial analysis experience.
• Current working knowledge of the real estate industry.
• Advanced ability to collect and report information on market conditions including competitive product and service offerings.
• Familiarity of the secondary real estate market and government programs.
• Strong oral and written communication skills.
• Continually develop and maintain advisory and consultative home loan skills.
• Working knowledge of office equipment and intermediate computer skills including MS Office.
• MLO Registration required. An individual in this position has been determined to be a real estate Loan Originator as defined by the S.A.F.E Act and whose responsibilities include taking applications and discussing terms or negotiates rates on loans secured by real property. Must be eligible to obtain and maintain valid registration with the National Mortgage Licensing System (NMLS) and Registry in compliance with the requirements of Federal Law, including the Safe Act.
• Extra Credit Skills: You will bring your enthusiasm, collaborative work-style, inquisitive attitude, flexibility, creativity, focus on excellence, and overall “great-to-work-with” demeanor. Previous experience with a financial institution with basic knowledge of financial products and services is a plus.
• Travel Required: Travel by car may be required to visit with applicants, partners and vendors. Any travel during assigned shifts requires ability to operate personal vehicle.
• Hours Required: Non-exempt employee with an onsite work schedule of Monday through Friday: 8:00am to 5:00pm. Schedules are subject to change based on organizational needs.