Mortgage Loan Officer

We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.

When you join the Meritrust team, your benefits will include:

• 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

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.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, 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.
• Studies have shown that individuals from marginalized and or historically underrepresented groups may be less likely to apply for jobs unless they meet every one of the qualifications listed. We are most interested in finding the best candidate for the job. We would encourage you to apply for a job at Meritrust Credit Union, even if you don’t meet every one of our qualifications listed.

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

This position comes with base salary $20.00 (plus commission, full benefits, cell phone reimbursement) 

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. 

Qualifications

Required Education 

• High School Diploma or equivalent. 

Required Knowledge 

• Comprehensive understanding of mortgage loan processes. 
• Knowledge of federal, state, and local mortgage regulations. 
• Comfortable with basic real estate math, personal computer operations, and loan origination software. 

Experience Required 

• 3–5 years of experience in secondary market mortgage lending, preferably within a financial institution. 
• Previous sales or business development experience is highly desirable. 
• Experience in coordinating with title companies, borrowers, and other stakeholders. 

Required Hard/Technical Skills 

• Strong analytical and problem-solving skills. 
• Excellent attention to detail and organizational skills. 
• Ability to work independently, manage time effectively, and meet production goals. 
• Effective communication and interpersonal skills. 

WORKING CONDITIONS 

• Standard office conditions 
• Low to moderate noise 
• Limited lifting up to 10lbs. 

This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.  Additional functions and requirements may be assigned by supervisors as deemed appropriate.   

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodation will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. 

 
The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities.  Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent.  It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.  

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law. 

This position comes with a base salary $20.00(plus commission, full benefits, cell phone reimbursement) 

We anticipate this position to close within 30 days of posting. Please submit your application at your earliest convenience to be considered.

You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Meritrust Credit Union, we encourage you to apply! 

Thank you for your interest in Meritrust Credit Union.