We are seeking a dedicated and detail-oriented Mortgage Loan Officer to join our dynamic team. In this role, you will be responsible for guiding members through the mortgage lending process, helping them secure the best financing options to meet their homeownership goals. The day to day includes meeting with members, following up, managing the pipeline, and working with the mortgage operations team on your loans. If you have a passion for service and a strong understanding of mortgage products, we encourage you to apply and become part of our growing organization.

Key Responsibilities:

• Meet with members to assess their financial situation and determine their mortgage needs
• Explain loan options, terms, and conditions clearly
• Collect and review financial documents, including credit reports, income statements, and asset information
• Prepare and submit loan applications, ensuring accuracy and completeness
• Coordinate with underwriters, processors, and other stakeholders to facilitate smooth loan approval processes
• Stay informed about current mortgage regulations, market trends, and lending policies
• Maintain ongoing communication with members throughout the loan process to ensure a positive experience
• Achieve individual and team sales targets and contribute to overall business growth

Community Relations and Business Development: Be a visible presence in the local community. Promoting the credit union through active participation in business, community, and charitable organizations and activities. Work closely with credit union business development, membership development, lending, and commercial staff to assist in the development and monitoring new business within the community and maintain strong personal relationships with existing members and business partners.

Requirements:

Experience: Minimum two years of mortgage origination experience is required.

Education: (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:

• Effective listening skills, good judgement and reasoning are an essential part of this job.
• Experience in multiple software programs. Encompass is a plus.
• Strong knowledge of mortgage products, lending regulations, and financial analysis,
• Possess mathematical skills.
• Organizational skills and perform multiple tasks with attention to detail.
• Proactive approaches to problem-solving.
• Must be able to obtain and maintain an NMLS license.

Compensation is base pay plus a monthly commission. A sign on bonus is included.

Applicant Instructions:

• Resume and cover letter required
• No phone calls, please.

What we offer:
HRCU recognizes the importance of benefits that provide financial security for our employees and their families and is committed to providing a competitive benefits package to eligible employees. Our best-in-class benefits include:

• Paid time off including Vacation, Sick, Personal, Birthday totaling 19 days annually
• 11 paid holidays
• Tuition Reimbursement
• Student loan repayment
• Banking and loan discounts
• Insurance – medical, dental, and vision with generous employer contribution
• Flex Spending Plans & Health Savings Account with employer funding
• Company paid Life Insurance, Short Term & Long Term Disability
• 401(k) retirement savings plan (with a match of up to 6%)
• Professional Development

Equal Opportunity Employer
A background check including references, prior employment, social security trace, credit report, and national/county/local criminal records.

HRCU is an Equal Opportunity Employer (EOE). We are an inclusive organization and actively promote equality of opportunity for all with the right mix of talent, skills and potential. We welcome all applications from a wide range of candidates. Selection for roles will be based on individual merit alone.

Benefits:

• 401(k)
• 401(k) 6% Match
• Dental insurance
• Employee assistance program
• Employee discount
• Flexible schedule
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Professional development assistance
• Referral program
• Tuition reimbursement
• Vision insurance
• Wellness program

Work Location: In person