Mortgage Loan Officer

MERITRUST CREDIT UNION•Broomfield, CO

1d•$20 - $20•Onsite

About The Position

The Mortgage Loan Officer originates high-quality mortgage loans while actively promoting credit union membership. The role builds community relationships, guides members through the mortgage process, and ensures loans comply with regulatory requirements and internal standards. The position rotates among several Meritrust branch locations and occasionally works from the administrative office at Meritrust Center Broomfield.

Requirements

High school diploma or equivalent.
NMLS registration.
Comprehensive understanding of mortgage loan processes.
Knowledge of federal, state, and local mortgage regulations.
Comfort with basic real estate math, personal computer operations, and loan origination software.
Three to five years of experience in market mortgage lending, preferably within a financial institution.
Experience coordinating with title companies, borrowers, and other stakeholders.
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.

Nice To Haves

Previous sales or business development experience is highly desirable.

Responsibilities

Develop and maintain referral relationships with real estate agents, homebuilders, financial planners, attorneys, accountants, and other professionals to generate mortgage 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, accurate loan applications in compliance with secondary market guidelines, mortgage insurance requirements, and internal credit union policies.
Communicate clearly and promptly with applicants throughout the loan process, set expectations, and answer questions.
Make preliminary loan decisions using established underwriting criteria and escalate complex cases as needed.
Maintain current knowledge of mortgage products, interest rates, and regulatory changes.
Use the CRM system to track pipeline activity, manage client and referral relationships, and document interactions accurately.
Maintain confidentiality and professionalism in member interactions and internal communications.
Represent the credit union positively through professional appearance, courteous behavior, and exceptional service.
Work with internal and external parties to address and resolve problems promptly.
Perform other duties as assigned.