Mortgage Loan Officer

JOB TITLE: Mortgage Loan Officer

GRADE: 9

POSITION TYPE: Full-Time Non-Exempt

HOURS: (M-F) 8:30a-5p

LOCATION/DEPARTMENT: Admin Building/Mortgages

REPORTS TO: VP of Mortgage Lending

UPDATED: November 21, 2025

GENERAL PURPOSE: The primary purpose of this position is to assist United Financial Credit Union in abiding by the company’s employee WOW initiative to uphold and adhere to the Mission Statement, Vision Statement, DEI Statement, and Core Values. The mission to provide innovative, friendly, and quality service, United Financial Credit Union will provide long-term financial stability to our credit union, our members, and their families. Employees should strive to help our credit union achieve the strategic goals set by the Board of Directors.

PURPOSE: Provide information on credit union products and services to members according to all credit union policies and procedures and Federal and State rules and regulations. Responsible for interviewing applicants for real estate loan and processing applications. Gather background information and analyze loan applicants’ credit history. Depending on underwriting experience, approve or deny loan applications within prescribed parameters. Promote credit union products and services.

QUALIFICATIONS: Effective written and verbal communication skills. Strong attention to detail and accuracy. Team player and willingness to provide assistance when called upon. Strong computer skills and problem solving abilities will be required. Creative problem solver with a positive attitude. Strong organizational and member service skills. Ability to become and remain 100% bonded. Two year of loan operation and underwriting experience is desired. High school diploma or GED required.

DUTIES AND RESPONSIBILITES:

· Develop mortgage loan business through membership, calls to realtors, contractors, and other various loan steals.

· Assist and monitor control procedures for the mortgage loan portfolio.

· Interview loan applicants and assist members with the loan application process.

· Obtain and evaluate credit bureau reports on applicants.

· Pull credit reports on all applications, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.

· Approve or deny real-estate loan applications, and explain reasons for denial.

· Inform members of their loan approvals or denials and any loan requirements or conditions.

· Stay knowledgeable on the following Mortgage Guidelines: secondary market (FNMA) guidelines, PMI guidelines, FHA guidelines, and RD guidelines.

· Ensure that each real-estate loan is processed accurately.

· Prepare real-estate loan application and document packet for closing.

· Pay title company fees for title searches, legal work, and appraisals.

· Pay real-estate taxes, including calculating tax shortages and new monthly payments.

· Maintain accurate records of insurance and taxes on real-estate loans.

· Maintain escrow accounts for the payment of members’ taxes and insurance premiums.

· Work with Credit Solutions in regards to delinquent real-estate loans, and take action as necessary.

· File necessary papers with the state land title for mortgages.

· Close real-estate loans and follow through with all closing requirements.

· Review file after closing - Verify all information is inputted into Mortgage Cadence/New Solutions correctly.

· Perform other related duties as assigned

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

-Normal office environment where these is little discomfort to exposure to hazards due to temperature, dust, noise etc.

-While performing the duties of this job, the employee need to be able to regularly move about; use hands and fingers, reach with hand and arms.

-The employee consistently is required to stand and sit view a computer screen, talk and hear, and lift/move up to 25 pounds.

-Ability to work overtime, attend meetings, seminars and travel.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all job duties performed by the personnel so classified.

Pay: $24.78 - $29.23 per hour

Expected hours: 37.5 per week

Benefits:

• 401(k)
• 401(k) 4% Match
• Dental insurance
• Flexible spending account
• Health insurance
• Paid time off
• Vision insurance

Work Location: In person

Salary : $25 - $29