Mortgage Loan Officer - El Paso

The Mortgage Loan Officer (MLO) plays a vital role in helping Members achieve home ownership by providing personalized guidance and supporting them throughout the mortgage lending process. This role is relationship-driven
, requiring strong self-sourcing, community engagement, and the ability to build a sustainable book of business in the El Paso market
.
As UFCU expands its footprint beyond Central Texas, this role will support mortgage growth across Houston, including UT Medical Center, Pearland, and future branches opening in 2026. The MLO will nurture relationships with REALTORS®, builders, community organizations, and Members to deliver a world-class, member-focused home buying experience. In addition to supporting existing UFCU Members, the MLO will also work with non-members seeking mortgage financing, helping guide them through the lending process and welcoming them into membership when appropriate

About UFCU

Founded in 1936, UFCU has grown to serve Members across Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures
.
In pursuit of our aspiration that UFCU is
loved by millions of Members and built to thrive for generations
, we are guided by our values:

Purposefully Member-Obsessed

We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members’ best interests, forever seeking to empower their financial success.

Possibilities Reimagined

We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.

Performance Excellence Rooted in Unwavering Integrity

We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.

Market Opportunity

• Join a trusted Texas credit union with strong brand recognition and deep member loyalty.
• Help shape UFCU’s presence in the fast-growing Houston market, supported by new branch expansion and community outreach.
• Influence referral strategy, relationship development, and community engagement efforts.
• Play a key role in delivering UFCU’s member-centric lending experience to Houston-area borrowers.

Essential Functions

Business Development & Market Growth

• Self-source mortgage production through proactive outreach and relationship-building.
• Develop and maintain strong partnerships with REALTORS®, builders, and community organizations.
• Represent UFCU at Houston community events, homebuyer workshops, and industry gatherings.
• Build UFCU’s mortgage presence in Houston by developing a sustainable pipeline in an emerging market.
• Partner with branch teams and internal partners to identify opportunities to support Members and non-members seeking financing.
• Maintain updated knowledge of mortgage trends, market conditions, and guidelines.

Member Advisory & Loan Evaluation

• Partner with both Members and non-members seeking mortgage financing by providing education, guidance, and personalized loan recommendations.
• Support non-member borrowers in understanding the value of UFCU membership and assist them in becoming Members when appropriate.
• Assess borrower financial needs, analyze loan options, and recommend appropriate products including Conventional, FHA, VA, and portfolio loans products
  .
• Deliver a high-quality, member-centric mortgage experience throughout the home buying process.
• Comply with RESPA, HMDA, and other laws and regulations
• Maintain knowledge of current mortgage guidelines

System and Member Documentation:

• Utilize CRM to consistently track and communicate all phases of the loan process from start to closing
• Serve as