Mortgage Loan Officer

Willamette Valley Bank • Keizer, OR

144d

About The Position

Willamette Valley Bank is seeking a results-driven Mortgage Loan Officer (MLO) to originate quality residential mortgage loans while delivering best-in-class borrower experience. This client-facing role is responsible for identifying loan solutions, crafting appropriate financing strategies, and guiding clients from application through closing. The ideal candidate thrives on relationship building, is skilled in sales and loan design, and is committed to regulatory compliance and operational excellence.

Requirements

• Minimum of 2 years recent experience as self-generating mortgage loan originator, primarily in first lien originations
• Associate degree in business or related field, or equivalent experience
• Active NMLS registration (or ability to obtain and maintain eligibility)
• Advanced knowledge of mortgage products, underwriting standards, and regulatory requirements
• Strong relationship management, sales, and client service skills
• Ability to analyze and interpret data and calculate figures such as income, basis points, and commissions
• Proficient with Encompass and Microsoft Office, comfort with other mortgage and CRM platforms preferred
• Exceptional time management, attention to detail, and organizational skills
• Effective verbal and written communication skills
• Flexible and adaptable to changing priorities with a team-first mindset

Responsibilities

• Advise clients on mortgage loan options, recommend suitable products, and develop tailored loan arrangements to meet their financial needs
• Collect, analyze, and evaluate financial and credit information - including tax returns - to determine loan eligibility and configure optimal terms
• Manage the loan process from application to closing in partnership with operations, ensuring compliance, quality, and timely resolution of any issues
• Build and maintain a robust network of partners, including realtors, builders, and other community contacts, to generate new business opportunities
• Maintain proactive, transparent communication with clients and stakeholders throughout the loan process
• Monitor loan pipelines daily, anticipate needs, and follow up on outstanding items to ensure seamless and timely closings
• Maintain accurate, complete files in Encompass, including proper documentation and interest rate locking
• Represent the bank at community and networking events, and actively contribute to team sales meetings and compliance trainings
• Stay informed on market trends, regulatory changes, and industry best practices
• Maintain current NMLS registration and adhere to all regulatory, investor, and bank-specific compliance requirements
• Meet or exceed minimum production standards as established by mortgage management
• Uphold confidentiality, ethical conduct, and professionalism in all interactions

Benefits

• Competitive compensation structure with incentive opportunities
• Comprehensive benefits package
• A stable, collaborative work environment
• Supportive and knowledgeable leadership team

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree
• Number of Employees: 101-250 employees