Mortgage Loan Officer - Member Direct

PAY RANGE

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.

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

What You’ll Do

• 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).
• College degree preferred.
• Experience with conventional, FHA, VA, and jumbo mortgage products strongly preferred.
• Financial Services/Financial Institution background preferred.
• Verbal and written communication skills.
• Math skills with a high degree of accuracy.
• Ability to evaluate loan applications and supporting documentation.
• Ability to perform complex income analysis, including review of complex tax returns (corporate, partnerships, sub-S corporations).
• Demonstrated knowledge of conventional and/or government lending guidelines.
• Demonstrated knowledge of mortgage processing, underwriting, and closing procedures.
• Demonstrated knowledge of regulatory compliance.