Job Description

MEMBERS1st Community Credit Union   Financially Empowering Central Iowa

Position Overview

MEMBERS1st Community Credit Union is seeking an experienced and member-focused  Mortgage Loan Officer  to join our growing team. In this role, you will originate, process, and close residential mortgage loans while upholding our mission of  Financially Empowering Central Iowa . The ideal candidate provides exceptional service, demonstrates strong mortgage knowledge, and is committed to our cooperative values and community-focused principles.

As a Mortgage Loan Officer, you will guide members through the lending process with accuracy, transparency, and care while supporting departmental goals and ensuring compliance with all regulatory requirements.

Key Responsibilities

• Provide exceptional service by identifying member mortgage needs and recommending appropriate lending solutions.
• Educate members on mortgage products, rates, terms, and the overall loan process.
• Represent MEMBERS1st with professionalism, respect, and a service-oriented approach aligned with our mission and values.
• Originate and manage a pipeline of residential mortgage loans, including intake, application review, documentation collection, and file preparation.
• Submit complete and accurate files to underwriting while ensuring timely processing and adherence to policies.
• Guide members throughout the mortgage process, providing updates and responding promptly to inquiries.
• Collaborate with underwriting, processing, closing, and other internal departments to maintain efficiency and loan quality.
• Ensure all mortgage activities comply with federal/state regulations, investor guidelines, and credit union policies.
• Stay current on mortgage regulations, lending guidelines, and industry trends.
• Protect member information by maintaining confidentiality and security standards.
• Complete all required Mortgage Loan Originator (MLO) training and licensing.
• Represent MEMBERS1st at community events, educational sessions, and service initiatives.
• Develop and maintain relationships with real estate agents, builders, and referral partners to support loan growth.
• Promote the credit union’s cooperative philosophy and commitment to member and community well-being.
• Perform additional duties as needed to support credit union operations and initiatives.

Compensation

• Base Salary:  $65,000
• Commission:  Compensation will include a base salary plus a commission rate, based on experience and loan origination volume.

Education/Experience

• High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or related field preferred.
• Previous experience in mortgage lending, banking, credit unions, or financial services strongly preferred.
• Must possess or obtain all required Mortgage Loan Originator (MLO) licensing and registration in accordance with federal and state requirements.
• Experience with loan origination software, financial systems, and digital document workflows preferred.

  Benefits

• 401(k)
• 401(k) matching
• Health insurance
• Dental insurance
• Vision insurance
• Health savings account (HSA)
• Paid time off
• Paid sick time
• Tuition reimbursement

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