Mortgage Loan Officer - Multiple Locations

Position Summary

This role is responsible for originating high-quality mortgage loans while actively promoting credit union membership. The ideal candidate will build strong relationships within the community, guide members through the mortgage process with care and expertise, and ensure all loans meet regulatory and internal standards.

Key Responsibilities

• Develop and maintain strong referral relationships with real estate agents, homebuilders, financial planners, attorneys, accountants, and other professionals to generate mortgage loan opportunities and grow credit union membership.
• Attend local networking events, open houses, homebuyer seminars, and community functions to promote the credit union’s mortgage services.
• Interview applicants to understand their financial needs and goals and recommend appropriate mortgage products.
• Analyze credit reports, income documentation, and financial statements to assess creditworthiness and structure loans responsibly.
• Prepare and submit complete and accurate loan applications, ensuring compliance with secondary market guidelines, mortgage insurance requirements, and internal credit union policies.
• Provide clear and timely communication to applicants throughout the loan process, setting expectations and answering questions to ensure a smooth experience.
• Make preliminary loan decisions based on established underwriting criteria and escalate complex cases as needed.
• Maintain up-to-date knowledge of mortgage products, interest rates, and regulatory changes to provide accurate guidance to members.
• Uphold strict confidentiality and professionalism in all member interactions and internal communications.
• Represent the credit union positively through professional appearance, courteous behavior, and a commitment to exceptional service.
• Perform other duties as assigned to support the lending team and contribute to the credit union’s overall success.
• Work collaboratively with internal and external parties to address and rectify problems promptly.

What sets working for Meritrust apart?

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• A supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.

Benefits

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid-time-off
• 12 paid holidays
• 401(k) plan
• Wellness program
• Tuition assistance
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

Hours

Monday - Friday 8:30am - 5:00pm with occasional weekends. (Multiple branch/office locations available to work from)

Pay

Base salary $20.00 (plus commission, full benefits, cell phone reimbursement)