Mortgage Loan Officer

Job Description

Job Description

• Har-co Credit Union is seeking a motivated Mortgage Loan Officer to originate residential mortgage loans and build lasting relationships with referral partners across our lending footprint in Maryland, Delaware, and Pennsylvania.
• Enjoy the stability of a credit union that is a trusted local community lender.
• This position offers the opportunity to grow loan production through credit union member leads, referral partnerships, and community engagement.
• You will work closely with borrowers and referral partners to structure mortgage solutions while managing loans through the full origination process from application through closing.

• $40,000 – $47,500 base salary + commission
• Uncapped commission based on loan production
• High-performing loan officers can earn six-figure income
• Commission paid on closed loan volume monthly
• Access to credit union member leads

• Established member base
• CRM system for pipeline management
• Dedicated loan processing support
• Marketing support for referral partner development
• Competitive mortgage products including Conventional, FHA, and VA loans
• Funding sources include UWM, Penny Mac and Portfolio lending

• Originate residential mortgage loans including first and second mortgages
• Develop and maintain relationships with Realtors, builders, and referral partners
• Generate new loan opportunities through networking and community involvement
• Advise members on mortgage products and financing options
• Independently structure mortgage loans based on borrower needs
• Verify and compile complete and accurate loan applications
• Analyze borrower credit, income, and financial documentation
• Ensure required disclosures are provided in compliance with regulations
• Monitor loan pipeline, deadlines, and closing timelines
• Communicate effectively with borrowers, processors, and underwriters

• Mortgage professionals who enjoy building referral relationships
• Loan officers seeking the stability of a credit union platform
• Individuals comfortable generating opportunities through relationships and networking
• Professionals focused on long‑term customer relationships

• Minimum 3 years of mortgage loan origination experience
• Active NMLS license in good standing
• Ability to obtain licensing in MD, DE, and PA
• Knowledge of conventional and government mortgage programs
• Experience using DU/LP underwriting systems
• Strong relationship‑building and communication skills
• Highly organized with strong time‑management abilities
• Strong analytical and problem‑solving skills

• Medical, Dental, and Vision Insurance
• Life Insurance
• Voluntary short‑term disability
• 401k Plan with Safe Harbor matching
• Paid Time Off (PTO)

Har-co believes in equal employment opportunity for all individuals without regard to race, color, religion, sex, age, national origin, marital status, physical or mental disability, status as a Vietnam Era veteran, or for any other reason or category protected by Federal, State, or local law. This policy extends to all terms, conditions and privileges of employment and participation in all activities sponsored by Har-co.