Mortgage Loan Officer

Description

We are seeking a dedicated and detail-oriented Mortgage Loan Officer to join our dynamic team. In this role, you will be responsible for guiding members through the mortgage lending process, helping them secure the best financing options to meet their home ownership goals. The day‑to‑day includes meeting with members, following up, managing the pipeline, and working with the mortgage operations team on your loans.

If you have a passion for service and a strong understanding of mortgage products, we encourage you to apply and become part of our growing organization.

• Meet with members to assess their financial situation and determine their mortgage needs
• Explain loan options, terms, and conditions clearly
• Collect and review financial documents, including credit reports, income statements, and asset information
• Prepare and submit loan applications, ensuring accuracy and completeness
• Coordinate with underwriters, processors, and other stakeholders to facilitate smooth loan approval processes
• Stay informed about current mortgage regulations, market trends, and lending policies
• Maintain ongoing communication with members throughout the loan process to ensure a positive experience
• Achieve individual and team sales targets and contribute to overall business growth

Be a visible presence in the local community. Promote the credit union through active participation in business, community, and charitable organizations and activities. Work closely with credit union business development, membership development, lending, and commercial staff to assist in the development and monitoring of new business within the community and maintain strong personal relationships with existing members and business partners.

• Minimum two years of mortgage origination experience is required.
• Education:
  
  (1) A two‑year college degree, (2) completion of a specialized certification or licensing, (3) completion of specialized training courses conducted by vendors, or (4) job‑specific skills acquired through an apprenticeship program.
• Interpersonal Skill:
  Ability to build relationships, resolve conflicts, and communicate with diplomacy and tact.

• Effective listening skills, good judgement and reasoning.
• Experience in multiple software programs;
  Encompass is a plus.
• Strong knowledge of mortgage products, lending regulations, and financial analysis.
• Mathematical skills.
• Organizational skills and ability to perform multiple tasks with attention to detail.
• Proactive problem‑solving approach.
• Must be able to obtain and maintain an NMLS license.

Base pay plus a monthly commission. A sign‑on bonus is included.

• Resume and cover letter required.
• No phone calls, please.

• Paid time off including Vacation, Sick, Personal, Birthday totaling 19 days annually.
• 11 paid holidays.
• Tuition Reimbursement.
• Student loan repayment.
• Banking and loan discounts.
• Insurance – medical, dental, and vision with generous employer contribution.
• Flex Spending Plans & Health Savings Account with employer funding.
• Company‑paid Life Insurance, Short Term & Long Term Disability.
• 401(k) retirement savings plan (with a match of up to 6%).
• Professional Development.

A background check including references, prior employment, social security trace, credit report, and national/county/local criminal records.

HRCU is an Equal Opportunity Employer (EOE). We are an inclusive organization and actively promote equality of opportunity for all with the right mix of talent, skills and potential. We welcome all applications from a wide range of candidates. Selection for roles will be based on individual merit alone.