Mortgage Loan Officer - El Paso

UFCU Mortgage Loan Officers help Members achieve homeownership by providing personalized guidance throughout the mortgage lending process. This relationship-driven role focuses on self-sourcing, community engagement, and building a sustainable book of business in the El Paso and Houston markets, including UT Medical Center, Pearland, and future branches opening in 2026. The MLO nurtures relationships with REALTORS®, builders, community organizations, and Members to deliver a world-class, member-focused homebuying experience. In addition to supporting existing UFCU Members, the MLO works with non-members seeking mortgage financing, guiding them through the process and welcoming them into membership when appropriate.

About UFCU

Founded in 1936, UFCU serves Members across Texas and beyond. The credit union is dedicated to empowering Members to achieve financial success and build brighter futures. Guided by values of being purposefully member-obsessed, reimagining possibilities, and pursuing performance excellence rooted in unwavering integrity, UFCU fosters an inclusive environment of collaboration and continuous improvement.

Market Opportunity

• Join a trusted Texas credit union with strong brand recognition and deep member loyalty.
• Help shape UFCU’s presence in the fast-growing Houston market, supported by new branch expansion and community outreach.
• Influence referral strategy, relationship development, and community engagement efforts.
• Play a key role in delivering UFCU’s member-centric lending experience to Houston-area borrowers.

Responsibilities

• Business Development & Market Growth
  • Self-source mortgage production through proactive outreach and relationship-building.
  • Develop and maintain strong partnerships with REALTORS®, builders, and community organizations.
  • Represent UFCU at Houston community events, homebuyer workshops, and industry gatherings.
  • Build UFCU’s mortgage presence in Houston by developing a sustainable pipeline in an emerging market.
  • Partner with branch teams and internal partners to identify opportunities to support Members and non-members seeking financing.
  • Maintain updated knowledge of mortgage trends, market conditions, and guidelines.
• Member Advisory & Loan Evaluation
  • Partner with Members and non-members seeking mortgage financing by providing education, guidance, and personalized loan recommendations.
  • Support non-member borrowers in understanding the value of UFCU membership and assist them in becoming Members when appropriate.
  • Assess borrower financial needs, analyze loan options, and recommend appropriate products including Conventional, FHA, VA, and portfolio loans.
  • Deliver a high-quality, member-centric mortgage experience throughout the homebuying process.
  • Comply with RESPA, HMDA, and other laws and regulations.
  • Maintain knowledge of current mortgage guidelines.
• System And Member Documentation
  • Utilize CRM to consistently track and communicate all phases of the loan process from start to closing.
  • Serve as a liaison between involved parties in the mortgage transactions such as REALTORS, title company personnel, and others.
  • Attend the closing when possible.
  • Make post-closing follow-up calls to ensure member satisfaction and request referrals.
  • Provide timely and accurate loan information to Members.
  • Display a commitment to providing up-to-date and accurate information by attending a minimum of two professional seminars annually and pursuing ongoing learning.
• Business Development
  • Serve as UFCU’s outside sales representative by actively identifying, soliciting, and developing relationships with REALTORS, builders, and other referral partners to increase mortgage lending business in the community.
  • Make calls and presentations to referral partners.
  • Create outside referral sources to generate 50% of monthly volume goals.
  • Develop and implement sales strategies designed to meet credit union and mortgage lending goals in the community.
  • Participate in industry professional associations to stay informed and educated on the mortgage industry.
• Perform other duties as assigned.
• Adhere to all company policies, procedures, and business ethics codes.
• Maintain strict adherence and compliance to all laws, rules, regulations, policies, procedures, and internal controls specific to the MLO role.

Requirements

• High school diploma or equivalent.
• Minimum of 3 years of recent residential mortgage loan origination.
• Proven success originating Conventional, FHA, VA, and portfolio loans.
• Demonstrated ability to sustain production through self-sourced leads.
• Experience partnering with REALTORS®, builders, or community referral sources.
• Valid NMLS registration and compliance with SAFE Act requirements.
• Strong understanding of mortgage lending guidelines, processes, and borrower qualification.
• Must be bondable.

Preferred Qualifications

• Bachelor’s Degree.
• Established network of REALTORS®, builders, and community partners in the Houston market.
• Experience supporting veteran homebuyers and originating VA loans.
• Credit union lending experience or background in mission-driven financial institutions.
• Experience working in a high-growth or expansion market.
• Bilingual English/Spanish.

Skills

• Strong interpersonal skills through fostering teamwork and demonstrating patience and respect when dealing with difficult situations.
• Strong relationship-building skills with REALTORS®, builders, and referral partners.
• Fully competent in Microsoft Office, Encompass, and other related software programs.
• Demonstrates the ability to use loan origination software to efficiently perform job functions.
• Knowledgeable in all aspects of Federal and State Regulations dealing with Mortgage and Home Equity lending, including HMDA, RESPA, Fair Housing, ECOA, TIL, and Section 50, Article XVI of the Texas Constitution.
• Ability to present ideas and thoughts in a clear, concise manner.
• Ability to make oral presentations with persuasiveness and confidence.
• Ability to use clear and simple language to get the message across to members and co-workers.
• Able to quickly build rapport and establish credibility with members and co-workers.
• Ability to manage multiple projects under tight deadlines while maintaining the accuracy and integrity of loan documentation.

Physical Demands

The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job.

• Frequent sitting; use of hands to finger, handle, or feel; reaching with hands and arms; and talking or hearing.
• Specific vision abilities required include close vision, distance vision, peripheral vision, and ability to adjust focus.
• Extensive use of the telephone requiring the ability to effectively and accurately explain complex information.

Work Environment

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.

• May involve periodic stressful conditions.
• May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
• Frequent computer use at a workstation of up to two hours at a time.
• The noise level in the work environment is usually loud.