Careers

Thank you for your interest in a career at Gain Federal Credit Union.

When you join our team, you have the opportunity to enjoy a career where your daily contributions have a significant impact on the lives of our members. 

Current Openings

Real Estate Loan Processor 

Summary:

Under general supervision, but in accordance with established policies and procedures, provides real estate loan processing, and clerical support to the Real Estate Loan Department. Have thorough knowledge of policies, procedures and guidelines concerning areas of job responsibilities.

Essential Duties and Responsibilities:

  • Interview members regarding loan programs and options
  • Prepare and mail out Loan Estimate if the Loan Estimate was not issued in Mortgagebot within (3) business days of receipt of a completed loan application.
  • Perform filing, data input to computer updating and recording information, answering telephones, photocopying, member interface, typing letters and general office duties.
  • As required, process real estate loan applications on 1st mortgage loans.
  • Process/Prepare 1st mortgage loans to secondary market or investor standards.
  • Input all loan applications into the appropriate processing software programs.
  • Input loans to FNMA Desktop Underwriter.
  • Submit all loan files to underwriter for approval. 
  • Promptly follow up on all requested items from members and vendors.
  • Gather all income and asset documentation.
  • Send VOE’’s, VOD’s, VOM’s and VOR’s as required.
  • Open Escrow if required.
  • Open Title as required.
  • Review preliminary title to ensure we have clear title and remove all clouds
  • Order property appraisal with Appraisal Management Company once the loan has been approved or tentatively approved.
  • Review appraisal using approved review form and request explanations, corrections as required.
  • Calculate all debt ratio’s, income and loan to value.
  • Ensure all escrow accounts (Taxes, Hazard, Flood, PMI) accounts are correctly established.
  • Process changes as required to data on mortgage loans (File Maintenance)
  • Prepare selected loan files for quality control as required.
  • Stack real estate loans according to internal stacking sheet.
  • Scan and upload files to investors (excluding FNMA).
  • Prepare loans for shipping for offsite storage.
  • Package loan documents for delivery to secondary market or loan servicing.
  • Keep procedures on the Wiki updated as required.
  • Miscellaneous duties as assigned by the Real Estate Lending Manager.
  • Cross sell Credit Union products.

Qualification Requirements:

  • Meets or exceeds performance standards
  • Responsible for maintaining company quality service standards
  • Verbally interacts with, clients, associates and guests
  • Reads, writes and performs basic mathematical computations
  • Reads and comprehends instructions
  • Ability to follow oral and written directions
  • Must successfully pass the Mortgage Loan Originator (MLO) Licensing and Registration background check with the Nationwide Mortgage Licensing System & Registration (NMLS) or, currently be licensed or registered with an active NMLS and MLO Identifier Number. Gain FCU reserves the right to end the employment of an associate or to transfer an associate to other job duties/functions within Gain FCU, should they fail to pass the Fingerprint/Criminal background, or refuse to register/renew their MLO status with NMLS.

Other Skills:

  • Ability to operate telephone system, including voice mail, intercom, and adding machine
  • Ability to operate a personal computer including input, output and inquiry to member accounts and other account information
  • Ability to operate standard office equipment and tools, such as fax machine, postage machine, photocopier, and typewriter.
  • Ability to use various software programs such as Mortgagebot, Questsoft, FICS-LP and those found in Microsoft Office (Word, Excel, PowerPoint and Email).
  • Familiarity with the credit union’s data processing system including input requirements, output capabilities, system maintenance, and general operations
  • Ability to understand basic accounting concepts for the purpose of balancing daily work
  • Knowledge of credit union products and services, including, but not limited to: Deposit products, electronic services, wire transfer rules and procedures, direct deposit, payroll deduction and consumer loan processing
  • Spanish Speaking Preferred

Physical Demands:

  • Demonstrates sufficient finger dexterity to operate PC or similar keyboard.
  • Able to sit for long periods of time
  • Use hands to finger, handle or feel objects, tools or controls
  • Reach with hands and arms
  • Sustains repetitive motions while using computer keyboard
  • Talk and hear
  • Bend, stoop, kneel, push and pull while filing or moving supplies
  • Occasionally lift and/or move up to 30 pounds

Education and/or Experience:

  • High School Diploma or equivalent preferred but not required
  • Type 30 WPM
  • Real Estate and accounting experience required
  • Previous experience processing or underwriting investor quality loans
  • Previous experience pricing, selling or servicing investor quality mortgages preferred but not required
  • Or equivalent combination of education and experience
  • Must have an active MLO.
  • Must be a Notary.

Call Center Representative

Some of the responsibilities for this position are:

    • Greet members and guests on the phone in a courteous and professional manner.
    • Answers telephone/secure mail inquiries from members regarding loan and deposit services, credit, debit and ATM cards, account information, transfer requests, withdrawals, stop payments, check supplies, or any other member request concerning products and services of the credit union.
    • Responds to the members’ inquiries regarding the operation of accounts, access to services, account usage charges, interest rates on savings and loan products, resolving account discrepancies, and assisting members to make the most effective use of services offered by the credit union.

Requirements

    • Associates Degree in Business Administration or equivalent preferred but not required
    • Two years financial institution experience, preferably in IRA’s, new accounts and loan processing or other call center experience preferred

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.

Benefits




Medical, Dental and Vision Plans

  • HMO/PPO Medical plan options
  • MetLife Dental PPO
  • VSP Vision

Life Insurance and Long-Term Disability Insurance
Provided at no cost to all eligible employees.

Low-Cost Supplemental Life Insurance

Company Sponsored Employee Assistance Program (EAP)

Bonus for Reaching Milestone Anniversary Dates

Retirement
 - We believe in helping employees invest in their retirement and we offer a 401 (k) plan with auto enrollment of employee deferred funds following the first full month of employment with matching employer contributions following a year of service as well as a discretionary profit sharing plan.

Paid Time Off
 - Plus 10 paid company holidays to eligible employees

Educational Reimbursement

Our Hiring Process:

  • If you are interested in applying for any of the opportunities posted, send your cover letter & resume via:
    • Email - HR@GainFCU.com
    • Mail - GFCU Attn: Human Resources, 1800 W. Magnolia Blvd., Burbank CA 91506
  • If your experience matches the requirements of the position, we may contact you for an initial conversation and /or interview.
  • If selected for an in-person meeting, you will be asked to complete our employment application and possibly, job-appropriate testing at our corporate office in Burbank.
  • If selected for the position, you must complete a thorough pre-employment background check.
    • NMLS Verification for all Mortgage/Consumer Loan Originators
  • If selected for the position, an offer of employment will be extended contingent upon successful completion of a background check.

PLEASE NOTE: Due to the high volume of applications we receive on a daily basis, we are unable to provide individual status updates by phone or email.

Nothing in our job advertisements restricts the right of Gain Federal Credit Union to assign or reassign duties and responsibilities to our positions at any time.

Gain Federal Credit Union is an Equal Opportunity Employer. 

Gain Federal Credit Union is an equal opportunity employer that does not discriminate in employment opportunities or practices on the basis of race, religion, color, sex, sexual orientation, gender identity, national origin, protected veteran or disability status, or any other status protected by law.

GFCU complies with the City of Los Angeles's "Ban-the-Box" ordinance (aka The Fair Chance Initiative for Hiring).