Home Loan Officer

STCU•Spokane Valley, WA

About The Position

The Home Loan Officer originates and closes residential loans from internal and external sources, including conventional, government, and construction loans. The role performs high-volume mortgage origination work accurately and promptly in accordance with STCU standards and procedures. It guides qualified borrowers through the loan process, sets expectations about timelines, conditions, and closing dates, and evaluates application materials to make recommendations consistent with STCU policy and secondary-market guidelines. The position also coordinates with other departments, maintains knowledge of residential loan programs and procedures, and advocates for members throughout the process. The position involves frequent travel to branches and other worksites across Eastern Washington and Northern Idaho, with significant time spent in the field meeting members and building business relationships. The work takes place in an office environment with low or moderate sound exposure and may involve a high-stress, fast-paced, deadline-oriented environment. Reliable transportation is required.

Requirements

High school diploma or equivalent.
At least three years of lending experience in a financial services environment.
Knowledge of mortgage terms, title insurance, and required mortgage processing procedures.
Proficient knowledge of Microsoft Outlook, Word, Excel, and Teams.
Complete National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008 upon hire.
Reliable transportation and ability to travel short and long distances to meet member and credit union expectations.
Ability to regularly talk, hear, and operate a computer, keyboard, and mouse; occasionally lift, pull/push, and carry up to 10 pounds, with accommodations.
Bilingual Spanish reading, writing, and speaking fluency may be required depending on the individual role and will be stated in the specific posting.

Nice To Haves

Some college education.

Responsibilities

Meet mortgage loan production standards through accurate and timely high-volume lending work that follows STCU standards and procedures.
Guide qualified borrowers through mortgage origination by setting expectations for timelines, loan conditions, and closing dates; evaluate application materials and make recommendations consistent with STCU policies and secondary-market guidelines.
Identify and coordinate opportunities with other departments, using knowledge of STCU products, systems, and procedures and developing strong relationships to support organizational objectives and members.
Maintain current knowledge of residential loan programs, guidelines, and procedures, including conventional, FHA/VA government, construction, and other STCU portfolio products.
Evaluate loan applications, credit reports, title reports, appraisals, inspections, and supporting documentation.
Act as the member’s advocate, take ownership of issues, and follow through on commitments.
Follow policies, procedures, and established processes to support departmental and organizational compliance.
Recommend policy, procedure, and process improvements that support organizational strategic goals.
Contribute to a positive, effective, high-performing, and cohesive work environment.
Travel frequently to branches and other worksites in Eastern Washington and Northern Idaho, meet members, conduct visits, and build business relationships.
Perform additional duties as assigned, including the possibility of temporary assignment to other locations.