Home Loan Internal Production - Home Loan Advisor - In-Market (Remote in Walnut Creek, CA only)

<p style="margin: 0in; line-height: 150%; font-size: 12pt; font-family: 'Times New Roman', serif;"><strong><span style="font-family: Arial, sans-serif;">JOB TITLE:</span></strong><span style="font-family: Arial, sans-serif;"> Home Loan Advisor - In Market </span></p> <p style="margin: 0in; line-height: 150%; font-size: 12pt; font-family: 'Times New Roman', serif;"><strong><span style="font-family: Arial, sans-serif;">DEPARTMENT:</span></strong><span style="font-family: Arial, sans-serif;"> Home Loans Production </span></p> <p style="margin: 0in; line-height: 150%; font-size: 12pt; font-family: 'Times New Roman', serif;"><strong><span style="font-family: Arial, sans-serif;">STATUS:</span></strong><span style="font-family: Arial, sans-serif;"> Non-Exempt </span></p> <p style="margin: 0in; line-height: 150%; font-size: 12pt; font-family: 'Times New Roman', serif;"><strong><span style="font-family: Arial, sans-serif;">JOB CODE:</span></strong><span style="font-family: Arial, sans-serif;"> 3106 </span></p> <p style="margin: 0in; line-height: 150%; font-size: 12pt; font-family: 'Times New Roman', serif;"><strong><span style="font-family: Arial, sans-serif;">PAY RANGE:</span></strong><span style="font-family: Arial, sans-serif;"> $29.81 - $29.81 Hourly</span></p> <p style="margin-bottom: 0px; margin-top: 0px;"><br><br></p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;">GENERAL DESCRIPTION:</span></u></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"><span style="font-size: medium;">The In-Market Home Loan Advisor is responsible for home loan production from assigned branches and the local mortgage market.<span style="white-space: normal;">  </span>They will work closely with the Branch Managers, local realtors and other market sources to generate home loan referrals. The advisors will be responsible for creating production strategies that will enhance the credit union’s market share in their assigned market(s).<span style="white-space: normal;">  </span>The advisor is responsible for generating and responding to inquiries and referrals from their assigned branches. Interviews applicants to analyze financial and credit information, assist with financing objectives, advises on products, pricing, and gathers any other information required. The advisor will also be responsible for self-sourcing home loans from the local mortgage market by representing the credit union accordingly. The Advisor ensures exceptional service by maintaining a thorough understanding of lending programs, policies, procedures and regulatory requirements. </span></p> <p style="margin-bottom: 0px; margin-top: 0px;"><span style="white-space: normal;"><span style="font-size: medium;">  </span></span></p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;">TASKS, DUTIES, FUNCTIONS:</span></u></strong></p> <ol> <li><span style="font-size: medium;">Originate home loans by maintaining exceptional service levels and product knowledge. Discuss our home loan products and programs via phone, email or in person.</span></li> <li><span style="font-size: medium;">Work with branch management and staff to educate and strategize to increase home loan production from our members.</span></li> <li><span style="font-size: medium;">Work with branch management to develop market strategies to drive new membership and home loans to the credit union.</span></li> <li><span style="font-size: medium;">Work with realtors and other business partners in the market their assigned branches are located.</span></li> <li><span style="font-size: medium;">Maintain membership in realtor groups and attend business development events such as mixers, local fairs and any other event that can build the home loans brand and production.</span></li> <li><span style="font-size: medium;">Obtain and analyzes pertinent financial and credit data. Provide initial assessment of the loan and product qualifications.</span></li> <li><span style="font-size: medium;">Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including, RESPA, HPML, HOEPA, HCML, HMDA, Fair Lending and bank secrecy and anti- money laundering laws appropriate to the position.</span></li> <li><span style="font-size: medium;">Monitor home loan pipeline to ensure loans are attended to promptly, efficiently and accurately to the established home loan pipeline standards.</span></li> <li><span style="font-size: medium;">Negotiate with members on counter offers or communicate declinations when their initial request cannot be met due to program limitations such as maximum loan-to-value, debt-to-income, valuation, reserves, etc. Demonstrate the ability to delicately handle difficult situations while maintaining complete professionalism.</span></li> <li><span style="font-size: medium;">Interact with other advisors and fulfillment staff to ensure proper procedural compliance, team collaboration and atmosphere.</span></li> <li><span style="font-size: medium;">Consistently notate conversations with member in LOS to ensure proper communication.</span></li> <li><span style="font-size: medium;">Additional duties as assigned by Management.</span></li> </ol> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;"> PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:</span></u></strong></p> <ol> <li><span style="font-size: medium;">Effective oral and written communication skills required to interact with members, branches, contact center staff and other outside contacts on the telephone, e-mail or in-person.</span></li> <li><span style="font-size: medium;">Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.</span></li> <li><span style="font-size: medium;">Effective technology and reporting skills are required to direct and mange origination activities.</span></li> </ol> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;"> ORGANIZATIONAL CONTACTS & RELATIONSHIPS:</span></u></strong></p> <ol> <li><span style="font-size: medium;"><strong>INTERNAL:</strong><span style="white-space: normal;"> </span>All levels of Staff/Management/Members/Third Parties.</span></li> <li><span style="font-size: medium;"><strong>EXTERNAL:<span style="white-space: normal;"> </span></strong>Realtors/Vendors/Organizations/Select Employer Groups/Other Business Partners.</span></li> </ol> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;">QUALIFICATIONS:</span></u></strong></p> <p style="margin-bottom: 0px; margin-top: 0px;"> </p> <ol> <li><span style="font-size: medium;"><strong>EDUCATION: </strong>Successful completion of High School curriculum , or equivalent work experience is required.</span></li> <li><span style="font-size: medium;"><strong>EXPERIENCE:</strong> 2 years or more of mortgage loan origination experience.</span></li> <li><strong><span style="font-size: medium;">KNOWLEDGE/SKILLS:</span></strong></li> <ul> <li><span style="font-size: medium;">Exceptional<span style="white-space: normal;">  </span>member<span style="white-space: normal;">  </span>service<span style="white-space: normal;">  </span>and<span style="white-space: normal;">  </span>member<span style="white-space: normal;">  </span>relation skills.</span></li> <li><span style="font-size: medium;">Strong credit analysis and general financial analysis.</span></li> <li><span style="font-size: medium;">Current working knowledge of the mortgage industry.</span></li> <li><span style="font-size: medium;">Full knowledge of FNMA/FHLMC-Secondary Market and FHA</span></li> <li><span style="font-size: medium;">Strong oral and written communication skills.</span></li> <li><span style="font-size: medium;">Advisory and consultative home loans skills.</span></li> <li><span style="font-size: medium;">Working<span style="white-space: normal;">  </span>knowledge<span style="white-space: normal;"> </span>of<span style="white-space: normal;"> </span>financial<span style="white-space: normal;"> </span>calculators,<span style="white-space: normal;"> </span>personal computer, copier, facsimile, etc.</span></li> </ul> </ol> <p> </p> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;"> PHYSICAL REQUIREMENTS:</span></u></strong></p> <ol> <li><span style="font-size: medium;">Prolonged sitting throughout the workday with occasional mobility required.</span></li> <li><span style="font-size: medium;">Corrected vision within the normal range.</span></li> <li><span style="font-size: medium;">Hearing within normal range. A device to enhance hearing will be provided if needed.</span></li> <li><span style="font-size: medium;">Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.</span></li> <li><span style="font-size: medium;">Occasional bending and stooping, as may be required to accomplish work</span></li> </ol> <p style="margin-bottom: 0px; margin-top: 0px;"><strong><u><span style="font-size: medium;"> LICENSES/CERTIFICATIONS:</span></u></strong></p> <ol> <li><span style="font-size: medium;">MLO Registration required:<span style="white-space: normal;"> </span>An individual in this position has been determined to be a Mortgage Loan Originator as defined by the S.A.F.E Act and whose responsibilities include taking applications and discusses terms or negotiates rates on loans secured by real property.</span></li> </ol> <p style="box-sizing: border-box; margin: 0in 0in 8pt; color: #1c1c1e; white-space: normal; background-color: #ffffff; line-height: 15.6933px; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; line-height: 18.4px;">Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.</span></em></span></p> <p style="box-sizing: border-box; margin: 0in 0in 8pt; color: #1c1c1e; white-space: normal; background-color: #ffffff; line-height: 15.6933px; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 12pt;"><em style="box-sizing: border-box;"><span style="box-sizing: border-box; line-height: 18.4px;">#LI-Remote</span></em></span></p> <p style="box-sizing: border-box; margin: 0in; color: #1c1c1e; font-size: 12pt; white-space: normal; background-color: #ffffff; font-family: Aptos, sans-serif;"><span style="box-sizing: border-box; font-family: arial, helvetica, sans-serif; font-size: 10pt;"><strong style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: black;">THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.</span></strong></span></p> <p style="box-sizing: border-box; margin: 0in; color: #1c1c1e; font-size: 12pt; white-space: normal; background-color: #ffffff; font-family: Aptos, sans-serif; text-align: right;"><span style="box-sizing: border-box; font-size: 12pt; font-family: arial, helvetica, sans-serif;"><strong style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: black;">REV. 1/9/2026</span></strong></span></p> <p style="margin-bottom: 0px; margin-top: 0px;"> </p>

Back to blog

Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...