Branch Loan Officer

Duties & Responsibilities

• Serve as the primary mortgage point of contact for assigned credit union branches, partnering daily with branch staff to identify members with home financing needs.
• Promptly follow up on, track, and convert warm internal leads and cross-sell opportunities generated by branch personnel.
• Educate branch staff regularly on credit union mortgage products, promotions, and qualification criteria to optimize internal referral pipelines.
• Attend local networking events, open houses, and community functions to build an independent referral network and drive external loan volume.
• Conduct thorough financial consultations with members to analyze credit profiles, income, debt-to-income (DTI) ratios, and asset documentation.
• Recommend appropriate credit union mortgage loan products to enable borrowers to make an informed decision tailored to meet their specific needs.
• Maintain clear, consistent communication with borrowers, branch partners, real estate agents, and internal processing/underwriting teams throughout the loan lifecycle.
• Ensure a seamless member experience by managing expectations and resolving issues proactively from pre-approval to closing.
• Identify opportunities to expand borrower relationships by proactively referring them to appropriate internal branch partners for financial services (e.g. retail banking, investments, or insurance).
• Monitor local real estate market conditions, competitor offerings, and economic trends to identify growth opportunities.
• Maintain thorough knowledge of federal, state, and institutional lending regulations, including RESPA, TRID, and fair lending laws.
• Achieve or exceed monthly and annual production goals established for origination volume, pull through ratios, and member satisfaction scores.
• Perform all other duties as assigned.

Requirements

• High school degree or equivalent. Bachelor's degree preferred.
• One (1) – Three (3) years of Retail Banking or Mortgage experience preferred.
• Required Knowledge, Skills And Abilities:
• Exceptional communication, public speaking, negotiation, and interpersonal skills.
• Proficiency in utilizing Mortgage Loan Origination Systems, automated underwriting systems, and Customer Relationship Management (CRM) tools.
• Knowledge of regulations governing real estate, including Regulations B, C, X, Z, and the Fair Housing Act and Fair Credit Reporting Act.
• Ability to maintain a high level of confidentiality.
• Must be able to be bonded.
• Must have or be able to obtain NMLS registration.