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Community Loan Officer, Assistant Vice President
Union Bank
Hayward, CA, United States
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Description
Join a bank that’s as committed to your future as you are. At Union Bank, a part of Mitsubishi UFJ Financial Group (MUFG), we share a vision for our future, we share our successes, and we strive to bring out the best in each other in everything we do. Our diverse colleagues are connected by a common ambition to create change for the better – from forging more dynamic career paths, to driving progress in our communities, to continuously reshaping the standards of financial services. Positive impact starts here; see the change you can make as we strive to become the world’s most trusted financial group.
Job Summary:
Responsible for marketing the Bank residential loan programs to low and moderate income borrowers. Improve awareness and image of the Bank and its products in targeted markets. Enhance Bank's compliance with Community Reinvestment Act.
Major Responsibilities:
• Seek and originate creditworthy home loans in designated low and moderate income areas through regular and continuous broker calls and follow up on referrals and direct inquiries.
• Take applications, interview customers, explain different financing and mortgage programs and requirements available through the Bank, and negotiate credit terms.
• Ensure timely processing and funding of loans.
• Conduct training and information programs for local community groups in order to reach community residents and educate them on home ownership opportunities.
• Maintain current knowledge of loan programs, policies and procedures, guidelines and regulations.
• Assist and advise on local marketing efforts to make community members aware of credit programs available at the Bank.
• Research local community credit needs and determine how Bank might serve the needs; make recommendation to Bank management as appropriate.
• Develop internal and external working relationships as needed in order to achieve department and Bank goals.
• Perform other duties as assigned.
Qualifications
Additional Information: Typically requires a high school diploma or G.E.D. and must have excellent sales and customer relations.
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.
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.
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.