Mortgage Advisor - Spokane

About the role

Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

Responsibilities

• Guide the Mortgage Experience: Serve as the primary point of contact for mortgage products, services, and processes from application through funding, helping members navigate every stage of the home financing journey.
• Build Lasting Member Relationships: Develop and strengthen relationships with both new and existing members through thoughtful needs assessment, personalized solutions, proactive follow-up, and exceptional service.
• Drive Team and Business Success: Contribute to individual and team goals within assigned centers and branches by enhancing the member experience, supporting referral generation efforts, and fostering mortgage growth opportunities.
• Cultivate Referral Partnerships: Build and expand mortgage referral relationships with members, employees, realtors, builders, and other professional partners to generate new business opportunities.
• Coach and Develop Team Members: Mentor branch and center teams in identifying mortgage opportunities, understanding member needs, and improving mortgage-related processes and service delivery.
• Represent BECU in the Community: Participate in community organizations and events to promote BECU’s mortgage products and services, strengthen community connections, educate potential members, and generate new business opportunities.
• Structure Lending Solutions: Work collaboratively with members to negotiate loan terms and conditions consistent with credit union policies, procedures, and lending guidelines.
• Review and Strengthen Loan Applications: Evaluate files submitted through automated underwriting systems, identify opportunities to address deficiencies, and partner with underwriters when additional review is required.
• Promote Regulatory Compliance: Maintain expertise in federal and state lending regulations, particularly mortgage and home equity lending requirements, and share updates and guidance with team members.
• Leverage Product Knowledge: Maintain comprehensive knowledge of mortgage and consumer loan products and features to identify lending opportunities and support member financial goals.
• Support Mortgage Operations Excellence: Develop and apply expertise in mortgage loan origination systems (LOS), underwriting, processing, guidelines, and tracking tools while coaching and training colleagues as needed.
• Stay Ahead of Market Trends: Monitor developments in the mortgage industry and local real estate markets to provide informed guidance and identify emerging opportunities.
• Generate New Mortgage Business: Create new mortgage relationships through prospecting, networking, and lead generation activities that support BECU’s growth objectives.
• Serve Complex Member Concerns: Serve as an escalation resource for member issues, providing thoughtful solutions and ensuring a positive, member-focused experience.
• Perform Additional Duties: Contribute to special projects as assigned.

Qualifications

• Bachelor’s degree or equivalent work or education related experience required.
• Minimum 2 years of experience in mortgage loan production, including conventional, FHA, and VA products.
• Minimum 2 years of mortgage loan sales experience, and/or consultative sales experience in financial services or a financial institution.
• Compliance with SAFE Act legislation, which requires annual registration as a Mortgage Loan Originator (MLO).

Desired Qualifications

• Effective relationship management, problem resolution and customer service skills.
• Strong sales, prospecting and follow-up skills and excellent time management skills.
• Proficient verbal and written skills to effectively communicate and provide customer service.
• Proficient math skills, with a high degree of accuracy.
• Ability to perform complex income analysis.
• Ability to use discretion in decision making and sound judgment in problem solving.

Benefits

• 401(k) Company Match (up to 3%)
• Annual contribution to your 401(k) by BECU
• Medical, Dental and Vision (family contributions as well)
• PTO Program + Exchange Program
• Tuition Reimbursement Program
• BECU Cares volunteer time off + donation match

Pay

Base Pay Rate: $21.65 hourly
Incentive Compensation: Uncapped*, varies based on individual performance
Transition Package During Ramp up
*Uncapped earning potential aligns with market benchmark. The realistic potential earnings are in the low six-figures (depending on markets served).

Schedule

Not specified