Mortgage Loan Officer Houston

Mortgage Loan Officer – Houston Job Summary

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 Houston 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.

Founded in 1936, UFCU proudly serves more than 400,000 Members and is recognized as one of the largest and most trusted credit unions in Texas. 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
.

• 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.

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 a liaison between involved parties in the mortgage transactions such as REALTORS, title company personnel and others.
• Attend the closing when possible.
• Make post‑closing follow‑up calls to ensure member satisfaction and request referrals.
• Provide timely and accurate loan information to Members.
• Display a commitment to providing up‑to‑date and accurate information by attending a minimum of two professional seminars annually and pursuing on‑going learning.

Business Development

• Serve as UFCU outside sales representative by actively identifying, soliciting, developing relationships with REALTORS, builders and other referral partners to increase mortgage lending business in the community.
• Make calls and presentations to referral partners.
• Create outside referral sources to generate 50% of monthly volume goals.
• Develop and implement sales strategies designed to meet credit union…