Mortgage Loan Officer II

Redwood Credit Union is looking for a Mortgage Loan Officer II who will be responsible for marketing mortgage loan products, recommending and implementing new products and services that will benefit the membership of Redwood Credit Union.

Key Responsibilities Loan File Management: o Deliver exceptional Member service across all communication channels, following RCU standards. o Effectively market all RCU loan programs, including complex products (first liens, home equity, investor properties, etc.). o Take applications via online system, phone, walk-ins, and branch/internet queries. o Manage assigned loans from origination to completion, ensuring files are accurate and complete. o Interpret Fannie Mae Desktop Underwriter findings for optimal Member approval and proper credit decisions. o Review title reports and appraisals, resolving issues for compliance and completeness. o Provide weekly loan status updates to Members. o Identify and offer cross-sell opportunities tailored to Member needs. o Approve or recommend loans within established limits. o Track expired, cancelled, withdrawn, and declined loans; update systems and send required notifications. o Collaborate with processors to manage pipeline, rate locks, and Member service quality. o Prepare closing documents and ensure smooth loan closings. o Propose workflow improvements for efficiency. o Examine loan files for accuracy and compliance before audits. Training, Member/Branch Education Support: o Counsel Members on loan requirements and options, including counteroffers and future qualification steps. o Train and mentor branch staff and Loan Officer I staff on mortgage lending fundamentals. o Present at homebuyer seminars and special events. o Visit branches to assist with training and application flow.

Join us and discover why you'll love working at Redwood Credit Union!

ABOUT REDWOOD CREDIT UNION (RCU): At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

Why work for Redwood Credit Union?

• 27th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Awarded a 5-Star Rating based on 6/30/24 financial data by Bauer Financial
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
• Recognized by Newsweek as one of "America's Best Credit Unions 2026"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S.