Real Estate Loan Officer

ABOUT THE ROLE

ILWU Credit Union is seeking an experienced Real Estate Loan Officer to manage the full lifecycle of residential mortgage loans—from application through funding—while delivering an exceptional member experience.

This role is ideal for a lending professional who enjoys both originating and underwriting loans, thrives in a collaborative environment, and takes pride in guiding members through one of the most important financial decisions of their lives.

Hours for this role are Monday through Friday 9:30am – 6:00pm. This position will become part of a union bargaining unit after 90 days of satisfactory employment.

WHAT YOU'LL DO

Guide Members Through the Mortgage Process

• Serve as a trusted advisor to members, helping them understand loan options and the mortgage process
• Conduct loan interviews and gather financial information
• Communicate clearly on loan status, conditions, and decisions

Underwrite & Structure Loans

• Analyze income, assets, credit, and property details to make sound lending decisions
• Approve loans within delegated authority and recommend alternatives when needed
• Ensure compliance with credit union policies and applicable guidelines

Manage Your Loan Pipeline

• Oversee loans from application through closing and funding
• Coordinate appraisals, title, credit reports, and other required services
• Proactively identify and resolve issues to keep loans on track

Ensure Accuracy & Compliance

• Maintain complete and accurate loan files
• Ensure all disclosures and documentation meet regulatory requirements
• Support HMDA reporting and other compliance-related activities

Collaborate & Support the Team

• Partner with internal teams to ensure a seamless process
• Provide guidance to colleagues and assist with consumer lending as needed

WHAT WE'RE LOOKING FOR

• 5+ years of real estate lending experience, preferably in the Credit Union industry
• 3+ years of underwriting experience, preferably in the Credit Union industry
• NMLS license required
• Strong knowledge of mortgage products, underwriting, and credit analysis
• Familiarity with Fannie Mae/Freddie Mac guidelines (preferred)
• Knowledge of FHA, VA, and USDA loans is a plus
• Strong analytical and decision-making skills
• Excellent communication and member service mindset
• Ability to manage multiple loans and deadlines simultaneously
• High attention to detail and accuracy
• Self-motivated with a proactive, solutions-oriented approach

PHYSICAL REQUIREMENTS

This position requires prolonged sitting and computer use, frequent typing and document handling, regular communication with members and vendors, and the ability to occasionally lift up to 10 pounds.

ABOUT ILWU CREDIT UNION

ILWU Credit Union is a member-owned, not-for-profit financial institution dedicated to serving the ILWU community and its members. Guided by values of fairness, integrity, and service, we put people first—supporting our members’ financial well-being while fostering a collaborative, respectful workplace for our employees.

ILWU Credit Union is in an exciting period of growth and evolution. As we expand our footprint and modernize our systems, processes, and employee experience, we remain deeply committed to our core mission: delivering exceptional service, financial stability, and long-term value to our members.

Our employees play a critical role in that mission. We invest in learning, development, and continuous improvement, and we believe strong internal culture drives strong member outcomes.

If you’re looking for meaningful work, a collaborative environment, and the opportunity to make a real impact—ILWU Credit Union may be the place for you.