Mortgage Loan Officer

Job Details

Job Location
:
Medford HLC - Medford, OR 97504

Position Type
:
Full Time

Job Category
:
Sales

Mortgage Loan Officer

Willamette Valley Bank is seeking a results-driven Mortgage Loan Officer (MLO) to originate quality residential mortgage loans while delivering best-in-class borrower experience. This client-facing role is responsible for identifying loan solutions, crafting appropriate financing strategies, and guiding clients from application through closing.

The ideal candidate thrives on relationship building, is skilled in sales and loan design, and is committed to regulatory compliance and operational excellence.

• Advise clients on mortgage loan options, recommend suitable products, and develop tailored loan arrangements to meet their financial needs
• Collect, analyze, and evaluate financial and credit information - including tax returns - to determine loan eligibility and configure optimal terms
• Manage the loan process from application to closing in partnership with operations, ensuing compliance, quality, and timely resolution of any issues
• Build and maintain a robust network of partners, including realtors, builders, and other community contacts, to generate new business opportunities
• Maintain proactive, transparent communication with clients and stakeholders throughout the loan process
• Monitor loan pipelines daily, anticipate needs, and follow up on outstanding items to ensure seamless and timely closings
• Maintain accurate, complete files in Encompass, including proper documentation and interest rate locking
• Represent the bank at community and networking events, and actively contribute to team sales meetings and compliance trainings
• Stay informed on market trends, regulatory changes, and industry best practices
• Maintain current NMLS registration and adhere to all regulatory, investor, and bank-specific compliance requirements
• Meet or exceed minimum production standards as established by mortgage management
• Uphold confidentiality, ethical conduct, and professionalism in all interactions

• Competitive compensation structure with incentive opportunities
• Comprehensive benefits package
• A stable, collaborativeworkenvironment
• Supportive and knowledgeable leadership team

• Minimum of 2years recent experience as self-generating mortgage loan originator, primarily in first lien originations
• Associate degree in business or related field, or equivalent experience
• Active NMLS registration (or ability to obtain and maintain eligibility)
• Advanced knowledge of mortgage products, underwriting standards, and regulatory requirements
• Strong relationship management, sales, and client service skills
• Ability to analyze and interpret data and calculate figures such as income, basis points, and commissions
• Proficient with Encompass and Microsoft Office, comfort with other mortgage and CRM platforms preferred
• Exceptional time management, attention to detail, and organizational skills
• Effective verbal and written communication skills
• Flexible and adaptable to changing priorities with a team-first mind set

Where Local Means Everything…

If you ask us, local means that our connection to the places in which we work goes beyond geography, it means we are ingrained in the local economy, we are part of the culture, and we help support our neighbors through volunteering, community outreach, and charitable donations.

Banking Local means your money gets reinvested into your local communities and keeps your small towns thriving. When you put your money in a local bank, you are helping to provide a tractor to local farmers, an oven for the neighborhood bakery, and a home for the family next door.

ADA Statement
:
The responsibilities listed are representative of the essential functions of the position. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Willamette Valley Bank isan equal opportunity and affirmative action employer. Allqualifiedapplicants will receive consideration for employment without regard to race, color,national origin,religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected characteristics. If you require an accommodation during the application or interview process,please contact us at: