Commercial Real Estate Finance Originator

Job Description
The Commercial Real Estate (CRE) Loan Originator is an outside sales role focused exclusively on sourcing, structuring, and closing income-producing CRE loans on behalf of KeyPoint Credit Union. The Loan Originator will develop and manage a broad network of commercial real estate brokers, listing and buyer’s agents, mortgage brokers, investors, attorneys, CPAs, and other centers of influence to drive origination activity. Target loan types include office, retail, industrial, and multifamily properties, with a primary emphasis on investment and investor-owned CRE.

The role operates with significant autonomy and requires sound credit judgment, deep knowledge of CRE loan structures, and the discipline to manage a high-volume pipeline from prospect to funding. There is no cap on commission earnings, providing unlimited income potential for high-producing originators. Business Development & Pipeline Management
Proactively source new CRE lending opportunities through an established network of brokers, agents, investors, attorneys, CPAs, and other centers of influence; leverage online lead sources and social media to expand deal flow.

Maintain a robust, accurately staged pipeline; ensure records reflect current loan status, timing, and all material risk factors; provide regular pipeline reporting to VP, Commercial Banking. Post about business activities, successful fundings, and closings on LinkedIn and other professional platforms to build market visibility and generate inbound referrals. Represent KeyPoint Credit Union at CRE industry conferences, trade associations, and community organizations to strengthen brand presence and cultivate new relationships.

Cross-sell credit union products and services—including Depository Services and Treasury Management Services (TMS)—to deepen commercial member relationships. Develop formal and informal strategic partnerships with referral sources to create a consistent, scalable pipeline. Loan Origination & Structuring
Originate CRE mortgage loans across office, retail, industrial, and multifamily (5+ units) asset classes, with an emphasis on investment and investor-owned properties.

Conduct preliminary underwriting analysis, including review of rent rolls, operating statements, lease abstracts, and borrower financial statements; Apply expert knowledge of complex loan structures and layered business entities; quickly differentiate high-quality opportunities from marginal credits to prioritize underwriting resources.

Interview CRE investors, owners, brokers, and business owners to understand financing objectives; recommend the most appropriate loan structure to meet current and future needs. identify and clearly disclose exceptions to policy or credit guidelines; assist members in understanding documentation requirements, including loan documents, membership materials, and due diligence items. Review final loan documents, business services documents, and TMS documents for accuracy and completeness prior to closing.

Demonstrate expert-level familiarity with CRE loan documentation, including deeds of trust, promissory notes, business loan agreements, assignment of rents, guarantees, subordinations, SNDAs, and complex commercial leases. Credit Quality & Compliance
Treat credit quality as a personal obligation; apply global debt service coverage analysis and independent judgment to every transaction; Monitor outstanding loan accounts proactively; identify early warning signs of credit deterioration and escalate concerns to VP, Commercial Banking in a timely manner.

Adhere to all credit union policies, procedures, and risk controls; comply with NCUA MBL regulations, DFPI requirements, and applicable federal and state laws including ECOA and the Fair Housing Act. Maintain the appropriate balance between portfolio growth objectives and credit quality standards. Assist with internal audits, regulatory examinations, and management review requests as needed.

Serve as the primary point of contact for CRE loan applicants and broker partners from initial inquiry through funding; Meet credit union and departmental goals for member service quality, profitability, and regulatory compliance as established by management. Perform additional assignments and special projects as required by management. The workstation consists of a typical indoor cubical or office. A workday consists of sitting 75% of the time with standing 10% of the time and walking 15% of the time.

Bachelor’s degree in Finance, Business Administration, Real Estate, or a related field required; Established referral network of CRE brokers, investors, attorneys, and other centers of influence strongly preferred. CASH Suite) a plus.

Advanced knowledge of CRE cash flow analysis, underwriting fundamentals (DSCR, LTV, debt yield, NOI, cap rates), and complex loan structures involving layered business entities. able to read and interpret complex commercial leases, appraisals, and title reports. able to present complex financial information clearly to borrowers, brokers, and credit committees. able to work independently with minimal supervision and manage a high-volume pipeline simultaneously. High attention to detail, creative problem-solver, and collaborative team player.

Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Copilot); financial modeling skills preferred. Active presence on LinkedIn and other professional platforms; Desire to establish KeyPoint Credit Union as a recognized leader in the CRE loan market.