Xceed Financial Credit Union
  • - Mortgage Originations
  • El Segundo, CA, USA
  • Full Time

Looking for a workplace where your amazing talents and abilities are valued, and where the incredible service and teamwork you bring to the table are rewarded?


At Xceed Financial, we're proud of the outstanding products and extra-mile service we provide our members, but we know that it's extraordinary associates at every level of the Credit Union who make it all happen. That's why we make it a priority to provide work environments that reflect those values. It's also why we offer awesome benefits and industry-leading compensation packages. And did we mention that CU Times just named us a "Best Credit Union to Work For" each of the past four years?


If you're a top-notch residential mortgage originator who's looking for a new challenge, read on and see if this role fits you. If so, we hope you'll contact us!


The Position At-a-Glance:


As a Mortgage Loan Officer, you'll be part of a nationwide team of super-talented associates who are passionate about helping Xceed members to achieve one of their biggest dreams: home ownership! We're all about being our members' true financial partner, so we'll be looking to you to help members select the right Xceed mortgage for their needs, and handle prequalification/preapprovals. And when members find their perfect home, you'll be the one who follows through to help them complete the loan application, gather the documentation needed to process the loan, and keep them in the loop on the status of their loan.


Mortgage lending is a priority at Xceed, and you're a mover-and-shaker in the biz, so you'll use your top-notch skills to share our great mortgage deals with external audiences, and be our go-to expert in the area for mortgage education. Plus, you'll participate in a generous commission/compensation plan that rewards you for outperforming your sales goals.




  • Develop external mortgage referral sources outside of the current field of membership:
    • Originate mortgages through existing relationships (Book of Business)
    • Develop realtor network for mortgage loan referrals
    • Conduct in-branch mortgage seminars
    • Make outbound calls to Financial Center member portfolio
    • Team up with area Business Development Officer on mortgage loan presentations at our SEG's


  • Develop internal processes to increase mortgage loan production in Southern California (Financial Centers 10 and 15)
    • Implement in-branch associate referral tracking system
    • Develop and conduct associate training to increase referral numbers
    • Serve as the on-site expert in all mortgage origination matters
    • Conduct on-site appointments with prospective borrowers


  • Meet monthly minimum sales goals.
  • Provide exceptional member service in handling and following up on mortgage leads, including sharing loan rates, programs and fees with borrowers and potential borrowers.
  • Communicate effectively with members to provide application status and obtain additional documentation required to complete mortgage loan processing.
  • Pre-qualify members and place them in the home loan program that best fits their specific needs.
  • Accept and review residential loan applications along with all pertinent documentation required per FHLMC, FNMA and XFCU guidelines and real estate loan policies. Exhibit professional telephone communication to provide and collect information to borrowers, prospective borrowers and SEG's Liaisons as it pertains to the real estate programs offered by XFCU.
  • Prepare and provide borrowers with all required disclosures, in accordance with RESPA and Regulation Z.
  • Maintain a working knowledge of real estate related regulations, requirements, programs, trends, and developments.
  • Prepare regular production reports as required.
  • Facilitate special projects as requested by management.
  • Keep all Credit Union member and associate related business in the strictest of confidence.




  • Two (2) years experience with conforming, nonconforming and alternative loan products and pricing is strongly preferred.
  • Must maintain an active MLO license through the Nationwide Mortgage Licensing System and Registry (SAFE Act)
  • Demonstrated knowledge of selling and servicing activities and requirements is required.
  • Ability to evaluate credit applications, credit reports, title reports, appraisals, and insurance documents to determine appropriateness of loan products in conjunction with investor requirements.
  • Demonstrated ability to understand and use computer-based credit scoring programs.
  • Strong reasoning and problem resolution skills, and the ability to collect, compile, and analyze information, as well as the ability to present data in an understandable format to management and other associates.
  • Ability to make sound decisions with confidence and firmness after assembling facts and weighing alternative solutions.
  • Ability to use good judgment in setting priorities and carrying out duties under limited supervision.
  • Excellent communication skills, both written and verbal.
  • Strong member/customer service skills, as well as strong telephone etiquette skills.
  • Excellent presentation skills; ability to conduct presentations to individuals.
  • Strong interpersonal skills in order to effectively communicate with XFCU members as well as Credit Union staff and management.
  • Excellent organizational skills.
  • Ability to travel as required.




High school diploma or its equivalent is required, plus two (2) years college and/or real estate training preferred.

Xceed Financial Credit Union
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