Mortgage Loan Officer - Meridian, Idaho

Mortgage Loan Officer
- Meridian, Idaho

Job Category:
Production

- Requisition Number: MORTG
001949

Posted:
July 8, 2026

Full-Time

On-site

Meridian, , USA

Why work for First Federal Bank?

Our company culture is driven by our desire to serve our members and communities, something we have done for over 100 years. Along with doing meaningful work, enjoy perks and benefits that come along with being part of Idaho's only mutual bank – no stockholders or majority owners, just our account members!

Eligible First Federal Bank employees receive paid vacation, sick leave, and holidays; health insurance, dental insurance, and vision insurance; 401(K) retirement with employer match; educational and student loan repayment assistance; life insurance; long-term disability insurance; loan incentives; and service recognition.

Employees also receive paid volunteer hours and can participate in our Pay-It-Forward program to give back to the communities we serve. In addition, the First Federal Foundation has provided over $1.4 million to local non-profits since 2003. For a meaningful job and to be part of a community-focused team, as well as much more, apply today.

Ideal candidates will demonstrate the bank's core values.

Driven:
Hard-working, self-motivated, and strives for excellence.

Seeks opportunities to contribute, learn, and grow. Brings positive energy, initiative, and collaboration to help the team and Bank win.

Dedicated:
Committed to the success of colleagues, customers, and the Bank.

Has a team-first attitude—caring more about the team's success than personal recognition. Follows through on commitments and takes ownership for results.

Engaged:
Cares about their job and the Bank's success.

Energetic, curious, and focused on their work and the Bank's mission. Collaborates with purpose and builds internal and external relationships.

Essential Duties and Responsibilities

• Responsible for producing consistent mortgage and consumer loan production within the scope of the Bank's Loan Policy and Procedures.
• Provides quality customer service to develop new business and maintain existing relationships.
• Contributes to profit and growth by achieving goals for expense control, profitable product sales and cross-selling bank products and services to maximize relationships; both consumer and business/commercial.
• Develops referral relationships with builders, real estate brokers, sales agents, and others as appropriate to generate mortgage loan business sufficient to meet the branch's assigned goals.
• Establishes and helps to attain internal performance objectives for branch lending volume, loan portfolios and the quality of lending audit reports.
• Takes applications, analyzes information of the customer, recommends appropriate financial products while educating and communicating with customers throughout the process.
• Recommends loans and products as appropriate. Presentation to loan committee may be required for approval.
• Exercises independent judgment and discretion in working with customers regarding loan products.
• Outlines loan terms and conditions and keeps the customer informed.
• Works with all bank products and refers customers to the retail loan officers, commercial loan officers or deposit staff as deemed appropriate.
• Reviews loan requests based on the banks policies and procedures.
• Orders credit reports, reference checks (when applicable) and validates borrower's credit, income, assets and any customer information as required on loan requests.
• Directs central appraisal ordering department to order appraisals.
• Assists in preparation of loan package, in accordance with the bank's standards.
• Stays abreast of new legislation and regulations that affect the banks mortgage lending policies.
• Makes suggestions to management to update or add to loan terms and conditions on a case-by-case basis.
• Provides reports on the status of the bank's mortgage loans and loan marketing strategies, based on current and past workloads.
• Handles inquiries from applicants, realtors, other various referral sources, and processing personnel. Resolves customer complaints in a timely and effective manner.
• Completes all required commission logs and call reports required by management.
• Follows all rules and guidelines of the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) and be registered with the NMLS. Annual renewal of registration is required.
• Performs all job duties to ensure compliance with all applicable acts, laws, and regulations, and for those in a branch management role – to ensure staff has the training and resources to perform duties to maintain compliance with such acts, laws and regulations.

Non-Essential Duties and Responsibilities

• May be responsible for building a cohesive and effective team by coaching and mentoring lending staff and creating a positive work environment that encourages continuous feedback if in a management role.
• May be responsible for conducting joint staff meetings with the operations group to promote lending product knowledge,…