MUFG Union Bank Community Loan Officer, Assistant Vice President - Santa Barbara in Santa Barbara, California
Are you passionate about creating an exceptional client experience?
Discover your opportunity with Union Bank, a division of the Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. At Union Bank, we care about the details that matter most to our clients. We have our clients’ best interest in mind, drawing on more than 150 years of experience to understand their distinct needs and tailor our solutions. We’re part of 180,000 colleagues around the globe striving to be the world’s most trusted financial group. Trust starts with a culture of putting people first and empowering you to achieve your potential. Join Union Bank, where being inspired is expected and creating results is rewarded.
As a Community Loan Officer at Union Bank you are responsible for marketing residential loan programs to low- and moderate-income borrowers. Being well networked, active in the community, and having an affinity for helping others achieve their dream of home ownership drives what we do! Building awareness and nurturing loan growth in these targeted markets must be a passion! CLOs are at the forefront of ensuring Union Bank's compliance with Community Reinvestment Act and help promote community and economic development.
Seek out and originate creditworthy home loans in designated LMI areas.
Maximize follow-up efforts 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 that provide education 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 crucial.
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.
Act as a brand ambassador for Union Bank to develop and implement a marketing territory to educate the community regarding the Bank's CRA programs and efforts.
3 or more years’ experience originating residential first mortgages.
Being knowledgeable and skillful 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-Santa Barbara
Schedule Full Time
Req ID: 10032935-WD