Mortgage Loan Officer - Member Direct

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

• Build Strong Member Relationships: Connect with members to understand their unique needs and guide them toward mortgage solutions that fit their goals.
• Originate Loans with Care: Take complete, accurate loan applications, gather required documents, and ensure all disclosures and fees are clearly communicated.
• Match Products to Member Needs: Pre-qualify members and align them with mortgage products that provide the most value and benefit.
• Be the Mortgage Process Navigator: Serve as the primary contact for members, real estate agents, and all involved parties—keeping everyone informed from application through closing.
• Partner for Success: Collaborate with Mortgage Fulfillment, Support, and Servicing teams to resolve issues quickly and ensure a seamless experience.
• Maintain Expert Knowledge: Stay current on mortgage products, lending guidelines, underwriting processes, compliance regulations, and real estate market trends.
• Negotiate with Integrity: Discuss and confirm loan terms with members, locking rates in accordance with BECU policies.
• Ensure Accuracy: Review application data for integrity, analyze Automated Underwriting System findings, and properly document files to meet underwriting and investor requirements.
• Stay Connected to the Industry: Maintain expertise by participating in professional development, reading industry publications, and networking.
• Deliver on Service Standards: Meet phone service level goals, including availability and timely responses to member inquiries.
• Perform Additional Duties: Perform additional duties that support team and organizational success.

Qualifications

• High school diploma or equivalent required.
• Minimum 4 years of lending sales, processing, or underwriting experience.
• Minimum 5 years of sales experience.
• Comply with SAFE Act legislation, including annual registration as a Mortgage Loan Originator (MLO).

Benefits

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

Pay

The Target Pay Range is $24.35 - $30.12 hourly along with a variable incentive plan based on individual performance, including monthly and annual incentives. Total earnings potential is competitive with market benchmarks for similar roles.

Schedule

The hours for this role are Monday - Friday, 9:30 AM - 6:30 PM PT, with an occasional Saturday 9 AM - 1 PM PT on rotation.