Mortgage Loan Officer (MLO)

Job Description

Job Description

Description:

Join Our Team at MTC Federal Credit Union!

At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships, and we are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Officer to join our team and help drive our mission forward.

Requirements:

Mortgage Loan Officer (MLO) – Inside / Outside Sales  

Location: Hybrid

NMLS License Required

About the Role: We are seeking an experienced Mortgage Loan Officer to join our credit union mortgage team. This hybrid role combines company-provided leads with self-generated business through referral and community relationships.Our ideal MLO is sales consultative, relationship-driven, and passionate about delivering a member-first lending experience from application through closing.

What You’ll Do

• Convert company-provided leads and internal referrals into closed loans
• Build and maintain relationships with realtors, builders, and community partners
• Conduct mortgage consultations (phone, virtual, in-branch)
• Complete applications, disclosures, and compliant loan files
• Manage pipeline timelines and provide proactive member updates
• Participate in community marketing, and business-development events
• Responsible for complying with all laws, statutes, rules and regulations which govern credit unions, including but not limited to all components of the Bank Secrecy Act provisions of the US Patriot Act
• Must comply with all credit union policies and applicable laws and regulations; maintain confidentiality of member information

What Success Looks Like

• Meeting or exceeding mortgage production and conversion goals
• Delivering a high-quality, consultative member experience
• Supporting members outside normal business hours when needed

Qualifications

• Active NMLS license (required)
• 5–10 years of residential mortgage lending experience
• Minimum $6MM in outside mortgage production in the past 12 months
• Strong relationship-based sales and communication skills

Why Join Our Credit Union

• Member-focused, relationship-driven culture
• Hybrid role with company-provided leads with self-generated business
• Strong brand and community presence

Benefits& Perks

• Competitive paid time off & holidays
• Vision insurance
• Dental insurance
• Health insurance
• 401(k) matching & discretionary contribution
• 401(k)
• Disability insurance
• Paid holidays
• Career advancement opportunity
• Competitive base pay and incentive plan
• And more!

About MTC Federal Credit Union: MTC Federal Credit Union is built on the principles of dedication and perseverance. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work, creating an environment where members and colleagues alike feel supported and inspired. Our core values guide our hiring and onboarding processes, team member recognition, and day-to-day decision-making. Core Values:

• Accountability: We believe that accountability builds trust, which is the foundation of everything we do. Our team members embrace this value by delivering promises, seeking solutions, and taking the initiative when challenges arise
• Respect: Respect is at the heart of every interaction at MTC Federal. We value engaged listening and treating everyone with fairness and dignity, members, teammates, and community partners alike 
• Hard Work: We work hard because we know our members work hard—and they deserve a team that goes the extra mile. Hard work at MTC Federal isn’t about clocking hours; it’s about focus, follow-through, and a willingness to roll up our sleeves to get the job done 
• Passion: Passion drives everything we do. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work 
• Genuineness: Being genuine means bringing your authentic self to every interaction, every day. We pride ourselves on building meaningful connections with our members and each other through honesty, sincerity, and empathy 

Disclaimer: This job description does not constitute an employment contract and does not include all duties or responsibilities. Management reserves the right to modify the position as business needs evolve.