External Mortgage Loan Officer

External Mortgage Loan OfficerThe External Mortgage Loan Officer drives mortgage growth by developing new business opportunities and expanding referral partnerships within the community. Acting as a trusted advisor, this role builds strong relationships with real estate professionals, builders, and other key partners to enhance market presence and deliver personalized mortgage solutions. The position focuses on originating quality residential loans, fostering long-term partnerships, and providing an exceptional member experience while contributing to overall mortgage production and organizational goals. This is a hybrid role based out of St. Louis, Missouri.Job Responsibilities:Originate first mortgage loans by identifying prospective borrowers, assessing financing needs, and guiding members through the mortgage application processPrepare, review, and deliver required loan disclosures and documentation in compliance with applicable regulatory and lending requirementsManage and monitor the mortgage loan pipeline, coordinating with processors, underwriters, and other internal partners to facilitate timely approvals and closingsCommunicate loan status, requirements, and next steps to members and stakeholders throughout the lending processDevelops and executes business development initiatives that drive mortgage loan production and referral growth through prospecting, networking, community engagement, relationship management, and pipeline developmentEstablishes and maintains partnerships with real estate agents, builders, financial planners, attorneys, accountants, and other referral sourcesParticipates in industry events, educational seminars, trade associations, and community activities to maintain market presenceCollaborates with branch teams and internal business units to support mortgage referrals and strengthen member relationshipsMinimum Required Qualifications:High school diploma or equivalent1+ year of experience in mortgage lending, sales, relationship management, or relevant transferable experienceFederal registration with the Nationwide Mortgage Licensing System (NMLS)Established referral network, book of business, or experience developing external business relationships within mortgage or real estate marketsPreferred Qualifications:Degree or specialized training in business, finance, real estate, or related field2+ years of mortgage loan origination experienceExperience working in a credit union, banking, financial services, or other highly regulated environmentKnowledge, Skills, and Abilities (KSAs):Knowledge of mortgage lending principles, real estate transactions, secondary market guidelines, and applicable federal and state regulations, including BSA, Patriot Act, and OFAC requirementsKnowledge of mortgage products, loan underwriting criteria, credit evaluation practices, and loan origination processesKnowledge of local housing markets, competitive lending programs, and industry trends impacting mortgage lendingSkilled in analyzing financial information, credit reports, income documentation, and loan applications to evaluate borrowing capacity and lending riskSkilled in relationship building, networking, and business development techniquesSkilled in communicating complex financial and mortgage-related information clearlySkilled in negotiating loan solutions within established guidelines to meet member financing needsSkilled in using loan origination systems, customer relationship management tools, and other technology platformsAbility to manage multiple loan applications, prioritize competing deadlines, and maintain accuracyAbility to collaborate effectively with internal teams and external partnersAbility to maintain confidentiality and exercise discretion when handling sensitive member and financial informationAbility to interpret and apply lending policies, regulatory requirements, and procedural guidelinesAbility to adapt to changing regulatory requirements, market conditions, business needs, and organizational prioritiesWork Environment:Hybrid (combination of remote & onsite) work environment; requires regular use of online tools, systems, and collaboration platformsFrequent travel to meet with referral partners, members, and attend networking eventsAttendance at offsite meetings, events, or conferences as neededPhysical Abilities:Ability to work at a computer in a stationary position for up to 8 hours per dayAbility to occasionally carry light materials (e.g., laptop, presentation materials)Ability to travel for business by car or air and stay in public accommodations as neededTogether Credit Union is an Equal Opportunity employer. The Credit Union complies with appropriate federal, state, and local laws and provides equal employment opportunities without regard to race, color, religion, gender, age, sexual orientation, gender identity or expression, national origin, military or veteran status, disability (including pregnancy), genetic information, or any other protected status to all qualified applicants and employees. Together Credit Union is committed to a policy of non-discrimination and dedicated to providing a positive discrimination-free work environment.