Mortgage Loan Officer; Remote in Western

Role:

The Mortgage Loan Officer (MLO) is responsible for proactively generating new mortgage business and promoting Empower FCU's mortgage products to meet production and loan quality goals. The MLO will play a critical role in advancing Empower FCU's strategic objectives by providing exceptional service to both current and prospective borrowers. This includes guiding borrowers through the pre‑qualification and pre‑approval process, offering expert counseling, assisting with loan applications, and ensuring timely submission to underwriting.

Additionally, the MLO will manage the issuance of required disclosure packages, gather necessary documentation, order required services, perform financial calculations, and route files for underwriting to facilitate timely commitment letter issuance—all while adhering to regulatory guidelines, including fair lending and TRID compliance.

This position is based in the Western NY region and is fully remote. Candidates should reside within the Western NY market, including the Buffalo metropolitan area and surrounding communities. While the role is primarily work‑from‑home, occasional local travel may be required to meet with clients, realtors, home builders, and other referral and business development partners. Candidates should be able to effectively support and maintain relationships throughout the Western NY region.

• Engage with applicants to understand their financial goals and offer tailored mortgage solutions.
• Advise on the home‑buying process, recommend suitable mortgage options, and address questions regarding loan terms, closing, and post‑closing.
• Review and evaluate mortgage documents to ensure they meet Empower FCU and regulatory standards.
• Complete mortgage applications, issue required disclosures and submit files for initial underwriting.
• Issue pre‑qualification/pre‑approval letters and perform rate lock procedures.
• Collect and analyze necessary documentation and perform financial calculations.
• Order required services such as flood zone certifications and appraisals.
• Submit loans to underwriting and ensure timely loan approvals.

• Maintain a steady pipeline of loan applications, ensuring compliance with HMDA, TRID, and fair lending regulations.
• Communicate regularly with applicants to guide them through the loan process.
• Ensure timely credit decisions within 30 days of application submission.

• Cultivate relationships with realtors, builders, and third‑party partners to drive mortgage originations.
• Represent Empower FCU at community events and networking opportunities to enhance visibility and generate new business.

• Use sales database tools to identify loan opportunities and target potential applicants.
• Stay current on industry regulations to ensure compliance with legal standards.

• Leverage proprietary lending software and tools to analyze credit, underwriting, and financial information to offer the best loan options.
• Perform other duties as assigned.

See Dayforce (HRIS) Performance Management for Goals upon start in role, and annually.

3 to 5 years of experience as a mortgage loan officer, including the ability to self‑source business development by maintaining relationships with real estate agents, builders, attorneys and other centers of influence.

An associate's degree in business, Finance, or a related field. Licensing/Certificates:
The candidate must be able to qualify and maintain licensing through the Nationwide Mortgage Licensing System (NMLS).

• Additionally, the candidate must possess a valid driver's license and maintain a clean driving record.
• Candidates with equivalent formal certifications or professional experience in mortgages, financial services, or related fields are also encouraged to apply. Empower FCU recognizes and values a variety of educational and professional backgrounds that contribute to success in this role.