Mortgage Loan Officer (Commission)

You already know how to originate mortgages, build relationships, and earn referrals. At this point in your career, the platform behind you matters.

As a Mortgage Loan Officer at Air Academy Credit Union, you’ll bring your own drive and relationships to the table. We’ll support you with walk-in and call-in leads, a branch referral network, in-house processing and underwriting, and a broad range of lending options to help you serve more borrowers.

This is a fully commissioned position built for an experienced Mortgage Loan Officer who knows how to generate business and is ready to keep building.

What You’ll Do

• Build and manage a mortgage pipeline through self-sourced business, Realtor and business-development relationships, AACU referrals, and company-provided leads.
• Guide members and prospective members through the mortgage process, helping them understand their options and choose financing that fits their needs.
• Originate FHA, VA, Conventional, portfolio, first-time homebuyer, and down payment assistance loans.
• Develop and maintain strong relationships with Realtors, builders, business partners, and other referral sources.
• Follow up on walk-in, call-in, and branch-referred opportunities with the same care you bring to your own network.
• Work closely with AACU’s in-house processing and underwriting teams to keep loans moving and borrowers informed.
• Represent AACU at Realtor meetings, community events, presentations, and other business-development opportunities.
• Stay current on lending programs, market conditions, guidelines, and regulatory requirements.
• Build long-term relationships by making the mortgage process clear, responsive, and personal.

What Helps You Succeed Here

You know this business. You understand that strong production comes from relationships, responsiveness, follow-through, and earning the next referral.

We’re looking for someone who brings:

• At least 2 years of current or recent retail mortgage origination experience
• Experience originating FHA, VA, and Conventional loans
• A track record of success in mortgage lending and business development
• The ability and motivation to generate self-sourced business
• Strong Realtor and professional referral relationships, or the ability to actively develop them
• A commitment to providing excellent service to both self-generated and AACU-provided leads
• Strong verbal and written communication skills
• Confidence presenting mortgage information in group, community, or professional settings
• A valid driver’s license, reliable transportation, and the ability to travel regularly throughout the assigned territory and to Colorado Springs for meetings. 
• NMLS registration in good standing
• Experience with Encompass preferred

AACU is a federally chartered credit union. No state MLO licenses are required for this position.

What You’ll Have Behind You

Experienced Loan Officers do their best work when they have the right tools, products, and people around them.

At AACU, you’ll have access to:

• Walk-in and call-in mortgage leads
• An established branch referral network
• In-house processing and underwriting
• FHA lending as a Full Eagle lender
• VA lending as a Direct Endorsement lender
• Correspondent-level Conventional mortgage lending
• First-time homebuyer and down payment assistance programs
• Flexible portfolio lending options that can provide additional solutions for borrowers
• The ability to lend in all 50 states
• A fully equipped office

And there’s another number we think matters: our typical Mortgage Loan Officer has been with AACU for more than 10 years.

For someone who knows how quickly mortgage companies, compensation plans, and teams can change, that kind of tenure says something.

Compensation 

This is a fully commissioned Mortgage Loan Officer position.

Training

Onboarding and training will require travel to AACU’s corporate headquarters in Colorado Springs, Colorado.

Benefits

Full-time AACU employees enjoy benefits including:

• Paid sick 
• Comprehensive medical, dental, and vision plans
• 401(k) retirement plan with 6% company match
• Tuition reimbursement after 90 days of employment
• Auto loan discounts
• Mortgage loan discounts

A Little About AACU

Air Academy Credit Union has been recognized as a Gazette Best Workplace since 2017. With more than 43,000 members and over $810 million in assets, we help people make financial decisions that move their lives forward.

For our Mortgage Loan Officers, that means having the tools to look beyond a one-size-fits-all answer and help borrowers find a path that works for their situation.

We also invest in the communities we serve through local outreach, partnerships, and giving.

You know how to build mortgage business. If you’re looking for a place with more lending options, strong operational support, and room to keep building your network, we’d like to talk.

Apply today.

We anticipate this job posting to close on November 21, 2026. Please submit your application at your earliest convenience to be considered for this position.

AACU is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, sex, sexual orientation, gender identity, gender expression, marital status, familial status, ancestry, national origin, disability, status as a protected veteran or any other status protected by local, state, or federal law. We perform pre-employment drug testing, consumer credit history checks and criminal background checks. AACU uses E-Verify to check that new hire documents are valid and fully authorized to work in the U.S. as required by federal law.