Mortgage Loan Officer II

Company: Redwood Credit Union
Location: Napa
Posted on: April 4, 2026

Job Description:

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 o Track expired, cancelled, withdrawn, and declined loans; update systems and send required notifications.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. Minimum Qualification: Knowledge, Skills and Abilities Thorough knowledge of Internet-based loan origination software. Thorough knowledge of real estate principles, practices, rules, and regulations. Proficient knowledge of all residential mortgage loan products offered by RCU. Proficient knowledge of secondary market investor guidelines and compliance requirements. Skill, aptitude, and interest in sales. Highly skilled in the operation of a PC with word processing and spreadsheet software, and Internet/intranet access. Ability to communicate effectively, both verbally and in writing. Ability to establish and maintain effective work relationships with a diverse group of people including vendors and other Credit Union team members. Ability to act independently and confidentially, using discretion and tact. Ability to analyze situations and recommend workable solutions. Ability to coordinate a variety of activities and prioritize work. Ability and desire to work in and contribute to a team environment. Ability to work a rotating schedule which will include working on rotating Saturdays. Licenses and Certifications Ability to obtain and maintain registration with the National Mortgage Licensing System and Registry in compliance with the requirements of Federal Law, including the SAFE ACT and NCUA part 761. The ideal candidate has a combination of education and experience equivalent to a high school diploma, plus a minimum of three years of experience in the mortgage lending industry or closely related field, including at least one year as a loan officer. Compensation: Base starting range: $34.00 to $46.00 per hour commensurate with experience. Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits. Redwood Credit Union offers a robust benefits package to our eligible employees including: • Competitive medical, dental, and vision insurance, mental health offerings • Employee performance incentive plan • Salary Advancement– Merit increase based on performance • 401(k) program with employer match • Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off! RCU Discounts and Perks: • RCU employees are eligible for a .75% discount off RCU standard collateral auto loans • RCU employees are eligible for a 1% discount on all recreational or boat loan products • 2% discount off Visas and LOC Loans through RCU • 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000. • 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000. • 0% interest on garment, fitness, or home office equipment loan of up to $500 • 100% financing for employee purchased homes! Physical Requirements: • Ability to stand, bend, stoop, sit, walk, twist, and turn. • Ability to lift up to 20 pounds. • Ability to use a computer keyboard and calculator. • Work environment is indoors; majority of the time is spent sitting at a desk. *Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position. Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET. We are an Equal Opportunity Employer We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us at [email protected] .

Keywords: Redwood Credit Union, Folsom , Mortgage Loan Officer II, Accounting, Auditing , Napa, California