Home Loan Officer

STCU•Spokane Valley, WA

About The Position

The Home Loan Officer proficiently performs home lending tasks in alignment with STCU loan standards. The role originates and closes residential loans from external and internal sources, including conventional, government, and construction loans, with an emphasis on high-volume, accurate, and timely completion of mortgage origination functions. The officer guides qualified borrowers through the loan process, evaluates application materials, and makes recommendations consistent with STCU policies and applicable secondary market guidelines. The position also coordinates with other departments, maintains knowledge of loan programs and procedures, advocates for members, and supports compliance and process improvements. Frequent travel to branches and other locations in Eastern Washington and Northern Idaho is required, with a significant amount of time spent in the field meeting members and conducting visits.

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.

Nice To Haves

Some college education.
Fluent Spanish reading, writing, and speaking abilities may be required depending on the needs of the specific role.

Responsibilities

Meet mortgage loan production standards by completing high-volume lending functions accurately, on time, and in accordance with STCU loan standards and procedures.
Guide qualified borrowers through the mortgage origination process, setting clear expectations for timelines, loan conditions, and closing dates.
Evaluate loan application materials and make recommendations consistent with STCU policies and/or secondary market guidelines.
Identify and coordinate opportunities with other departments to support corporate objectives and meet members’ financial needs.
Maintain accurate, current knowledge of residential loan programs, guidelines, and procedures, including conventional, FHA/VA, construction, and other STCU portfolio products.
Evaluate loan applications, credit reports, title reports, appraisals, inspections, and supporting documentation.
Take ownership of issues and act as the member’s advocate; follow through on commitments.
Adhere to policies, procedures, and established processes to support departmental and organizational compliance.
Recommend policy, procedural, 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 to meet members, conduct visits, and build business relationships.
Perform additional duties as assigned, including possible temporary assignment to other locations.