Branch Mortgage Loan Officer

Exciting news! EECU is looking for a Branch M Mortgage Loan Officer (MLO) that will be responsible for meeting with credit union members in person, by phone or through branch referrals, to provide expert guidance on mortgage products and services. This position focuses on cultivating strong member relationships and delivering personalized solutions. The Branch MLO will originate, submit, and maintain loan applications for mortgages, as well as follow up upon completion. The Branch MLO will also source leads throughout a region of branch networks to expand our market share. Essential Functions: Develop and maintain long‑term relationships with members. Manage the end‑to‑end mortgage application process, from initial consultation to loan closing, ensuring a seamless experience for members. Establish and maintain strong relationships with branch managers and staff across multiple locations to drive consistent lead generation and referrals. Responsible for cultivating and managing mortgage referrals from multiple branches within the credit union and sourcing leads independently. This role involves partnering with branch staff to identify potential mortgage opportunities and engaging directly with members. Conduct initial loan interview with prospective borrowers in order to analyze financial and credit data and give advice about product and pricing policies and guidelines. Correspond directly with 3rd party vendors, outside contacts, branches, processors, and underwriters to ensure loans are processed in a timely manner. Maintain an organized pipeline of active loan applications from multiple branches, ensuring timely processing and closing. Respond to inquiries and/or referrals generated from own contacts and other EECU business channels. Be knowledgeable of secondary loans, including but not limited to Purchase Money/Refinance (Conventional, FHA, VA), Home Equity, HELOC, and Home Improvement loan applications. Loans submitted must comply with EECU’s lending criteria as well as Fannie Mae, Freddie Mac, and Ginnie Mae requirements. Candidates for EECU should possess the following knowledge and experience: Must be proficient in Velocify, Excel, Encompass, TalkDesk, Polly, Blend, and Microsoft Teams. Understanding of HMDA and escrow analysis is a plus. Must be licensed in NMLS and through the State of Texas as a Mortgage Loan Originator. Must have 5‑7 years in the banking/financial industry, along with 3‑4 years in an independent mortgage environment as an originator. High school diploma or equivalent required; college preferred. Ability to balance the analytical processes of qualifying a mortgage applicant with sales skills to place them in the best loan product to meet their needs. Ability to speak effectively in front of groups and/or clients. Ability to communicate across all channels such as telephone, email, text, and in person. Excellent written, oral, time‑management, and communication skills. Possess analytical abilities to evaluate credit reports, title work/abstracts, appraisals, flood certificates, and surveys. Possess extensive knowledge of all loan types offered. Knowledge of real‑estate processing, state and federal laws, FNMA, FHLMA, FHA/VA rules and regulations regarding real‑estate lending and real‑property insurance coverages. Attention to detail and follow‑up is critical. Ability to work in a fast‑paced environment and within strict time deadlines. Must be goal‑oriented, team player, positive in nature, and highly detailed. Able to participate in outside promotional events conducted by the real‑estate department. This position has an hourly base compensation structure and is eligible for monthly incentives based on performance. Responsible for compliance with all federal and state rules and regulations pertaining to the Bank Secrecy Act, Anti‑Money Laundering, Bank Bribery Act, NCUA privacy regulations, Reg B, Reg Z, Reg DD, Reg E, Reg CC, Service Members Civil Relief, and FCRA/FACTA. Required to attend initial and ongoing annual Bank Secrecy Act training. For more than 90 years, Fort Worth‑based EECU community credit union has been committed to providing members “A Better Way of Banking.” Today, EECU is one of the largest credit unions in Texas with over $4 billion in assets and serves over 297,000 members through 21 financial centers across North Texas. In the true spirit of the credit union philosophy “people helping people,” EECU was recently honored with the Fort Worth Business Press Corporate Philanthropy Award for employee volunteerism, named Best Bank/Credit Union by the Fort Worth Star Telegram’s readers, and became the first credit union in Fort Worth to become Blue Zones certified for promoting employee well‑being. EECU is an EOE/Vets/Disabled Employer. We are an Equal Opportunity Employer and do not discriminate against applicants due to veterans’ status or on the basis of disability. For more information on our organization and our best‑in‑class benefits please visit EECU Careers at #J-18808-Ljbffr EECU Credit Union