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Mortgage Loan Officer - Texas

UFCU · San Elizario, TX · 1 wk ago
HybridFinanceFull-time

About the role

The Mortgage Loan Officer (MLO) plays a vital role in helping Members achieve homeownership by providing personalized guidance and supporting them throughout the mortgage lending process. This role is relationship-driven, requiring strong self-sourcing, community engagement, and the ability to build a sustainable book of business in the Texas market. As UFCU expands its footprint beyond Central Texas, this role will support mortgage growth across Houston, including UT Medical Center, Pearland, and future branches opening in 2026. The MLO will nurture 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 will also work with non-members seeking mortgage financing, helping guide them through the lending process and welcoming them into membership when appropriate.

Essential Functions

  • 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.

  • Partner with both Members and non-members seeking mortgage financing by providing education, guidance, and personalized loan recommendations.

  • Affirmative action and equal opportunity employer.

Knowledge/Skills/Abilities

  • Displays strong interpersonal skills through fostering team work 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 the Federal and State Regulations dealing with Mortgage and Home Equity lending, required.

  • 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.

Minimum 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.

  • 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.

Preferred Requirements

  • 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.

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