Mortgage Loan Orginator (MLO)

MTC Federal Credit Union•Greenville, SC

About The Position

Join Our Team at MTC Federal Credit Union! At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships, and we are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Office to join our team and help drive our mission forward. About MTC Federal Credit Union: MTC Federal Credit Union is built on the principles of dedication and perseverance. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work, creating an environment where members and colleagues alike feel supported and inspired. Our core values guide our hiring and onboarding processes, team member recognition, and day-to-day decision-making. Core Values: Accountability: We believe that accountability builds trust, which is the foundation of everything we do. Our team members embrace this value by delivering promises, seeking solutions, and taking the initiative when challenges arise Respect: Respect is at the heart of every interaction at MTC Federal. We value engaged listening and treating everyone with fairness and dignity, members, teammates, and community partners alike Hard Work: We work hard because we know our members work hard—and they deserve a team that goes the extra mile. Hard work at MTC Federal isn’t about clocking hours; it’s about focus, follow-through, and a willingness to roll up our sleeves to get the job done Passion: Passion drives everything we do. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work Genuineness: Being genuine means bringing your authentic self to every interaction, every day. We pride ourselves on building meaningful connections with our members and each other through honesty, sincerity, and empathy We are seeking an experienced Mortgage Loan Originator (MLO) to originate residential mortgage and home equity loans through a hybrid inside/outside sales model. This role combines company-provided leads with self-generated business through relationship development and community engagement. The ideal candidate delivers a consultative, and member-focused experience, guiding borrowers from initial inquiry through closing. Performance is measured by production, conversion, service quality, and regulatory compliance. Evening and weekend availability may be required to meet member and referral partner needs.

Requirements

High school diploma or GED required (Bachelor’s degree preferred).
5–10 years of residential mortgage lending or related experience.
5+ years of consultative sales and relationship based business development experience.
Minimum $6 million in outside mortgage production within the past 12 months
Strong verbal, written, and interpersonal communication skills.
In depth knowledge of mortgage products, guidelines, and underwriting concepts
Ability to manage multiple loans in a fast paced environment.
Proficiency with LOS, CRM, and standard office software
High level of professionalism, integrity, and attention to detail
Primarily office based with extensive computer and phone use.
Local travel required for relationship development and community events.
Evening and weekend availability, as needed.

Responsibilities

Respond promptly to company provided mortgage leads from marketing campaigns, digital channels, branches, and internal referrals.
Conduct phone, virtual, and in branch consultations with members.
Assess financial needs, goals, and eligibility to recommend appropriate loan options.
Complete loan applications and required disclosures within regulatory timelines.
Track pipeline activity and member interactions in the Loan Origination System (LOS) and CRM.
Develop and maintain referral relationships with: o Real estate agents o Builders o Financial professionals o Community partners
Leverage successful closings into repeat and referral business.
Collaborate with branches to generate internal referrals.
Participate in business development and community activities, including: o Realtor meetings o Open houses o Homebuyer seminars o Community and marketing events
Represent the credit union professionally while adhering to branding and compliance standards.
Collect, review, and verify documentation for accuracy and completeness.
Submit complete, compliant loan files for underwriting.
Actively manage loan pipelines to meet disclosure and closing timelines.
Coordinate with processors, underwriters, closers, and third party vendors.
Provide proactive loan status updates to members and referral partners.
Meet or exceed assigned mortgage production and conversion goals.
Deliver a consistent, high quality member experience.
Demonstrate flexibility to support members outside of standard business hours, as needed.
Support the credit union’s mission, values, and growth objectives.
Comply with all applicable federal and state mortgage lending regulations, including: o SAFE Act o NMLS requirements o TRID o Fair Lending laws o BSA / USA PATRIOT Act
Maintain active NMLS licensing and complete all continuing education requirements.
Complete required internal and regulatory training on schedule.
Perform all duties in accordance with credit union policies, procedures, and internal controls.
Responsible for complying with all laws, statutes, rules and regulations which govern credit unions, including but not limited to all components of the Bank Secrecy Act provisions of the US Patriot Act.