Mortgage Loan Officer

About the role

Become a Mortgage Loan Officer at Royal Credit Union’s Whitehall, WI Location! In this role, you’ll guide Members through the mortgage process, develop strong partnerships with Realtors and builders, and help individuals and families find the right lending solutions to meet their goals.

Why Royal?

• Member and Community Focused: Dedicated to making a positive impact on our Members and the communities we serve, going beyond financial services to enrich lives and foster growth.
• S supportive Environment: Collaborative, values-driven workplace that supports each other and works together to achieve goals.
• Professional Growth: Numerous opportunities for training and advancement, helping you continuously develop and advance your skills.
• Empowerment: Empowers team members to make decisions and drive initiatives that help Members achieve their financial goals.
• Community Involvement: Engage with the local community through various initiatives and events, making a tangible difference where you live and work.

What You’ll Do

• Originate residential mortgage loans and lot, construction, and bridge loans.
• Conduct initial pre-qualification interviews and prepare complete loan application packages and necessary documentation.
• Convey policies for extension of credit in accordance with Credit Union and secondary investor guidelines.
• Meet Mortgage Loan scheduling and documentation requirements, and production expectations as determined by the Regional Mortgage Sales Manager.
• Establish prospective relationships outside the office as well as serving existing Members, builders, developers, and Realtors promptly and professionally.

Our Commitment To You

• No limit to your income potential in this position! Offered a forgivable draw and a commission plan that can increase with more production.
• Wide range of mortgage products including purchase, refinance, new construction, investment, second home, vacant land, 1st time homebuyer, no down payment, extended locks, portfolio, and grant programs.
• Dedicated and experienced operations team to ensure Members get the best experience while getting into their new home.

Benefits

• Comprehensive medical, dental, and vision insurance plans.
• 5% 401k employer match.
• Paid family and sick leave.
• Vacation and sick time accruals.
• Childcare reimbursement.
• Tuition and student loan debt assistance.
• Pet insurance.

What’s Needed For This Position

• High school diploma or equivalent along with mortgage lending experience.
• Must have either two years of mortgage loan origination experience utilizing technology and digital loan documentation processes.
• Internal candidates, one year of mortgage experience at Royal or another financial institution.
• NMLS Certification is required.
• Demonstrated ability to identify, develop, and convert sales opportunities while building strong relationships with existing and prospective Members, Realtors, builders, and community partners.
• Strong lead generation, networking, prospecting, and outbound business development skills are essential.
• Strong mortgage lending and financial services knowledge, including familiarity with online banking platforms, loan origination software, lending guidelines, and digital solutions.
• Ability to educate Members on products and services while recognizing opportunities to recommend additional solutions.
• Exceptional communication, interviewing, listening, and customer service skills with the ability to effectively present information, ask insightful questions, address concerns proactively, and create an outstanding Member experience in a fast-paced environment.
• Proven analytical, critical thinking, decision-making, and organizational abilities.
• Capable of evaluating complex information, solving problems, producing accurate and high-quality work, prioritizing competing responsibilities, managing time effectively, and adapting to change while consistently meeting performance expectations.

What We’d Love To See

• Bachelor's Degree in Business, Marketing or Management.
• Five (5) years of Mortgage Loan Origination related experience.
• Royal Credit Union experience.
• Sales experience with growing and developing sales strategies.

Position Details

• Full-Time, working approximately 40 hours per week.
• Hours and shifts vary between 8am-5pm Monday through Friday, with occasional nights and weekends as needed.
• Significant community involvement and business development efforts, with at least 50% of time spent outside the office establishing new relationships, networking, meeting with Realtors and builders, and representing Royal Credit Union in the community.
• Training: Prior to starting a normal work schedule, new Royal team members must attend Foundation Training at our Corporate Center in Eau Claire, WI from 9:00am - 4:30pm on Monday and Tuesday during their first week of employment. Out of town learners will be reimbursed costs related to travel and lodging.
• Foundation Training covers fundamental information about Royal’s culture and core values which sets the stage for team members to be successful within our organization.