Mortgage Loan Officer - Member Direct

Overview

As a Mortgage Loan Officer – Member Direct at BECU, you will guide members through one of the most important financial decisions—purchasing or refinancing a home. You will help members find mortgage solutions that fit their needs and provide an exceptional experience from the initial conversation to closing. You will use both phone and digital channels to support members throughout their home loan journey.

• Build strong member relationships by understanding needs and guiding them toward suitable mortgage solutions.
• Originate loans with care: collect complete, accurate applications, gather required documents, and clearly communicate disclosures and fees.
• Pre-qualify members and match them with mortgage products that provide value.
• Serve as the primary contact for members, real estate agents, and involved parties from application to closing.
• Collaborate with Mortgage Fulfillment, Support, and Servicing teams to resolve issues and ensure a seamless experience.
• Maintain expert knowledge of mortgage products, lending guidelines, underwriting processes, compliance regulations, and market trends.
• Negotiate loan terms in accordance with BECU policies and ensure data accuracy for underwriting and investor requirements.
• Keep informed about industry developments and participate in professional development and networking.
• Deliver on service standards, maintain responsiveness to member inquiries, and support team success with additional duties as needed.

• Opportunities to build trust and make a real difference in members’ lives.
• A balance of financial expertise and a people-first approach.
• Collaboration with supportive colleagues and opportunities for growth in a mission-driven organization.
• Professional development and an environment that values innovation and tradition.

Minimum Qualifications:

• High school diploma or equivalent.
• Minimum 4 years of lending sales, processing, or underwriting experience.
• Minimum 5 years of sales experience.
• Compliance with SAFE Act, including annual MLO registration.

Desired

Qualifications:

• College degree preferred.
• Experience with conventional, FHA, VA, and jumbo mortgage products.
• Financial Services/Financial Institution background preferred.
• Strong verbal and written communication, math accuracy, and ability to evaluate loan applications.
• Ability to perform complex income analyses, including review of complex tax returns.
• Knowledge of conventional and government lending guidelines, mortgage processing, underwriting, closing procedures, and regulatory compliance.

The target pay range is $24.35 – $30.12 hourly, with a variable incentive plan based on performance. Total earnings are competitive with market benchmarks and based on job-related skills, experience, and education. Benefits include 401(k) with company match (up to 3%), 4% annual 401(k) contribution by BECU, medical, dental, vision, PTO and exchange program, tuition reimbursement, and volunteer time off with donation matching.

At BECU, we are an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

Join the journey: ready to make an indelible impact? Apply now and help drive growth and innovation at BECU.