Lending Manager
TITLE : LENDING MANAGER STATUS : EXEMPT DEPARTMENT : LENDING REPORTS TO : Sr. Vice President PAY SCALE : $90,000 to $135,000 Sacramento Credit Union is seeking candidates who thrive as leaders and excel at providing exceptional customer service for our Lending Manager position in our corporate office.
The Lending Manager is responsible for managing the origination of real estate loan production; overseeing the tracking and timely follow through of all mortgage applications;
and allocating the proper resources to the timely consummation of all mortgage loans. Under minimal supervision, coordinates sales activities pertaining to the origination, pricing and underwriting of mortgage loans consistent with the requirements of the real estate secondary market.
This position requires knowledge of credit union / banking practices, laws; loan processing principles; the ability to manage staff;
and to develop sales and service in mortgage operations. At Sacramento Credit Union, we believe in diversity, equity and inclusion in the workplace.
We welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.
Responsibilities and Duties :
Plans, manages and oversees the sales and service of mortgage lending. Directs department objectives, policies and procedures to ensure optimal quality, member satisfaction and strategic goals are achieved.
Ensures that daily mortgage operations achieve business objectives. *Monitors interest rate fluctuation with appropriate investors and general market to set mortgage loan rates.
Responds to loan consultants with interest rate quotes. Locks interest rates with appropriate investors.
- Develops, recommends and implements service, policy, procedure and product improvements. Recommends system and process improvements.
- Oversees the underwriting function and coordinates the closing of real estate loans in accordance with specific timeframes.
- As a Mortgage Loan Originator, must register with NMLS Registry and keep registration information current.
- Provides management and leadership to assigned staff. Ensures a competent, motivated staff through training, coaching, counseling and reviewing performance of employees.
Recommends individuals for hiring, promotion, discipline and / or termination. *Audits loan packages for completeness of documents and compliance with Credit Union policy, regulatory requirements and secondary market lending parameters.
- Compiles, analyzes and tracks data for operational and special reports.
- Maintains awareness of investor guideline updates, changing economic conditions and new trends. *Meets or exceeds pass-through income goals as established by senior management.
- Performs secondary marketing function for first mortgage rates. *Acts as liaison for Credit Union and investor. Minimum Qualifications : Bachelor's Degree in business or finance, or the equivalent in related work experience.
Progressive experience in loan operations and real estate transactions, including management experience, preferably in a financial institution.
Working knowledge of automated loan-processing systems, such as Calyx Point, DU, MeridianLink, etc. Working knowledge of Fannie Mae, Freddie Mac, FHA and VA products and services, policies and procedures.
Obtains thorough knowledge / training for other agencies as required. Knowledge of credit union policies, procedures, laws and regulations.
Knowledge of loan principles and practices relating to real estate wholesale pricing and lending activities. Knowledge of human resources policies, procedures, issues and regulations desired.
Demonstrated knowledge of MS Office suite. Demonstrate ability to effectively manage people. Ability to maintain effective communication and working relationships with all levels of the organization and business contacts.
Our excellent benefits package includes medical / dental / vision, Paid Time Off, paid holidays, life insurance / AD&D, short-term and long-term disability, 401(k) and more. Powered by JazzHR
Call Center Representative
TITLE : CALL CENTER REPRESENTATIVE STATUS : NON - EXEMPT DEPARTMENT : CALL CENTER REPORTS TO : DEPARTMENT MANAGERS PAY SCALE : $20.
00 TO $26.59 PER HOUR We are seeking a candidate who enjoys being of service to customers, possesses excellent communication skills and has the ability to cross-sell products and services for our Call Center Representative position in downtown Sacramento.
At Sacramento Credit Union, we believe in diversity, equity and inclusion in the workplace. We welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.
Our Call Center Representatives work a fixed schedule, which allows you the work / life balance you need. The selected individual will be scheduled to work a 37 / 40-hour schedule as follows ( rotating monthly between Schedule A and Schedule B ) : Schedule A (8 : 30am - 5 : 30pm) Monday 8 : 30 am 5 : 30 pm Tuesday 8 : 30 am 5 : 30 pm Wednesday 8 : 30 am 5 : 30 pm Thursday 8 : 30 am - 5 : 30 pm Friday 8 : 30 am 5 : 30 pm Saturday 8 : 55 am - 2 : 00 pm (rotating Wednesday or Thursday off during the week) Sunday Off Schedule B ( 9 : 0 0am - 6 : 0 0pm) Monday 9 : 00 am 6 : 00 pm Tuesday 9 : 00 am 6 : 00 pm Wednesday 9 : 00 am 6 : 00 pm Thursday 9 : 00 am 6 : 00 pm Friday 9 : 00 am 6 : 00 pm Saturday 8 : 55 am - 2 : 00 pm (rotating Wednesday or Thursday off during the week) Sunday Off Summary of responsibilities : Identify the financial needs of the member and suggest Credit Union solutions.
Refer member to designated staff for assistance. Make outbound calls on select groups to measure member satisfaction or to enhance our relationship by sharing our benefits, products, and services that the credit union has to offer.
Take loan applications and enter into financial platform system. Provide a broad range of credit union services to members via telephone, such as loans, online banking, credit card, checking, bill pay and other services and products.
Utilize Language Line as necessary. Process updates to member status, changes to name, address and other pertinent information.
Perform quality control for certificate changes, check orders, member fax requests and signature verification. Investigate and respond to member inquiries and concerns.
Perform transactions for members. Set up periodic payments. Process payroll set-ups, changes or deletions. Perform certificate changes, check orders, check by phone.
Close accounts and determine reason for closure. Attempt to prevent account closure if possible. Enter closure code into the system.
Necessary Qualifications : High School Diploma or G.E.D. and related work experience in a call center. One year of banking / credit union experience is preferred.
Demonstrated ability to improve our members’ financial well-being via timely and relevant cross-sells. General knowledge of credit union products and services, policies, procedures, laws and regulations.
Ability to operate computer, electronic banking, ten key and other office equipment, and perform accurate transactions. Demonstrated effective telephone and communication skills.
Maintains good attendance record. Our excellent benefits package includes medical / dental / vision, Paid Time Off, paid holidays, life insurance / AD&D, short-term and long-term disability, 401(k), subsidized parking and more. Powered by JazzHR