MUFG Union Bank Community Loan Officer, Assistant Vice President, Oceanside, CA in Oceanside, California
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world (as ranked by S&P Global, April 2018) with total assets of over $2.9 trillion (106.2 (JPY) as of March 30, 2018) and 150,000 colleagues in more than 50 countries. In the U.S., we’re 13,000 strong, working together to positively impact every customer, organization, and community we serve. At Union Bank, we aim to be the premier and most-trusted West Coast bank, serving customers with high-touch, local delivery and global capabilities as we leverage our rich, 150-year history. This is all part of our inclusive, high-performing culture supported by competitive Total Rewards, including our cash balance pension plan. Join a team that’s working to fulfill its vision to be the world’s most trusted financial group.
What We Do:
As a Community Loan Officer at Union Bank you are responsible for marketing residential loan programs to low- and moderate-income borrowers. Are you well networked, active in the community, and have an affinity for helping others achieve their dream of home ownership? By engaging and actively participating in related business development activities, you will build awareness and nurture loan growth in these targeted markets every single day. Community Loan Officers are at the forefront of ensuring Union Bank's compliance with Community Reinvestment Act and help promote community and economic development. Does this describe you?
What You Do:
You will seek out and originate creditworthy home loans in designated low- and moderate-income areas.
Perform regular and continuous broker calls and follow up on referrals and direct inquiries.
Apply your lending knowledge and expertise to understand client's individual needs by carefully analyzing pertinent financial, earnings and credit data to advise on an optimal loan scenario and risk level.
Ensure the timely processing and funding of loans.
Gain exposure by crafting and leading training and information programs for local community groups.
By engaging community residents, you will provide education to them on home ownership opportunities.
It’s ever-changing, so staying ahead of trends and developments in the local real estate market, as well as the changing rules and regulations that pertain to mortgages is a focus every single day.
Research local community credit needs and identify how Union Bank might serve the needs; make recommendation to Bank management as appropriate.
Develop internal and external working relationships that positively impact department efforts and Bank goals.
As a brand ambassador for Union Bank, you’ll develop and implement a marketing territory to educate the community regarding the Bank's CRA programs and efforts.
Do you have 3 or more years’ experience originating residential first mortgages?
Are you knowledgeable and skilled working with multiple loan types?
A demonstrated successful sales track record with established and nurtured relationships in market is a key factor.
You should have effective consultative and negotiation skills.
Strong organizational skills needed to be successful.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
This position may be subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. If at any time the Bank determines that your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.
We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.
Job: Consumer Banking
Primary Location: CALIFORNIA-Oceanside
Schedule Full Time
Req ID: 10037395-WD