Mortgage Loan Officer

Join to apply for the Mortgage Loan Officer role at Meritrust Credit Union
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We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid‑time‑off
• 12 paid holidays
• 401(k) plan
• Wellness program
• Tuition assistance
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as well as professional growth, teamwork to make the dream work, and treating everyone equally.
• Studies have shown that individuals from marginalized and/or historically underrepresented groups may be less likely to apply for jobs unless they meet every one of the qualifications listed. We are most interested in finding the best candidate for the job. We would encourage you to apply for a job at Meritrust Credit Union, even if you don’t meet every one of our qualifications listed.

This is a full‑time position working 40 hours a week, Monday‑Friday 8:00 am – 5:00 pm.

Originates mortgage loans. Develops referral relationships with realtors, builders, bankers, and other sources to proactively solicit business and conduct sales‑related activities to meet specific loan volume origination goals. Takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing. This position contributes to a positive relationship between the community, member, and the credit union.

• Provides excellent service to both new and established members.
• Originates loans and assists members with the loan application including explanation of first mortgage process and products while assuring compliance with PMCU, state, federal, investor and TRID standards.
• Completes loan app, input fees, and generates loan disclosures in accordance with TRID guidelines.
• Collects and analyzes prospective clients, credit, liabilities, income, and assets to determine credit worthiness.
• Orders and understands residential appraisal reports.
• Price and lock loans.
• Completes HMDA on adverse loans.
• Understands and manages mortgage loan deadlines to ensure purchase contract compliance and closing dates.
• Submits complete file to processing within 48 hours of lock.
• Provides continuing counsel and customer service to borrower throughout the entire loan process.
• Assists walk‑in members and telephone inquiries as needed.
• Maintains consistent communication with members and operations staff.
• Develops and maintains relationships with potential new business referral partners, realtors, builders, and community relationships.
• Develops individual Sales Plan to generate additional business.
• Assists in the marketing effort including SEG presentations, first‑time home buyer seminars, and community functions.
• Participates in on‑going training classes and workshops.
• Maintains a professional image and standards consistent with company policies and procedures.
• Respects confidentiality of information handled.
• Performs other duties as assigned.

Final Compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity.

This position is eligible for a monthly incentive plan.

We anticipate this position to close within 30 days of posting. Please submit your application at your earliest convenience to be considered.

You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Meritrust Credit Union, we encourage you to apply!

Thank you for your interest in Meritrust Credit Union.

Entry level

Full-time

Finance and Sales

Banking

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