Mortgage Loan Officer

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.


We are currently seeking a Mortgage Loan Officer to join Kirtland Credit Union! This is a remote position based on geographic location.

Sign-on Bonus Available

Join the rest of our teammates and become eligible for a generous benefits package that we offer:

• Medical, Dental and Vision Insurance
• 401(k) Retirement savings program that includes employer match.
• Paid time off with accrual starting from day one.
• 11 Paid holidays off during the year!
• Tuition Reimbursement for College Degrees
• Employee Clothing Advance
• Fitness Reimbursement Program
• Employee Assistance Program
• Short- and Long-Term Disability
• Travel Assistance

This is what we would like you to do:

• Responsible for creating an exceptional member experience through origination of long-term mortgage loans, real estate, lot, construction, and home equity loans.
• Conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation.
• Conveys policies for extension of credit in accordance with compliance with FNMA, FHA, VA, GNMA and/or Kirtland Credit Union (KCU) guidelines/policies.
  
  
  
  

Primary Job Duties:

• Interviews, takes applications, and processes preliminary documentation on mortgage and home equity loan requests.
• Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
• Effectively manages application pipeline to efficiently initiate mortgage applications within established service level standards.
• Assumes responsibility for establishing and maintaining effective and professional business relations with members, realtors, home construction and other mortgage industry professionals such as appraisers, escrow officers, and title companies.
• Answers questions and requests and resolves problems.
• Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management.

Education/Certification:

• Bachelors degree in business or related field preferred.
• Current NMLS license or ability to obtain one.

Experience Required:

• Three-five years of experience working with mortgage and home equity loans preferred.
• Strong understanding of credit analysis, mortgage underwriting guidelines and mortgage loan qualifications.
• Proficient with mortgage products, regulations, and processes for Conventional, FHA, VA, and Adjustable-Rate Mortgages.
• Demonstrated experience with meeting and exceeding goals.
• Experience with member experience, identifying needs and providing solutions in a professional manner.

Required knowledge, skills and abilities:

• Strong knowledge in determining credit worthiness and analyzing credit reports.
• Proficient with all mortgage calculations.
• Knowledge of Credit Union loan policies, products, procedures, processing,
• Knowledge with title reports, insurance, and appraisals.
• Thorough knowledge of Federal mortgage-related laws: RESPA, Truth in Lending Act-REG Z; Homeownership and Equity Protection Act (HOEPA); Homeowners Protection Act (HPA); Equal Credit Opportunity Act (ECOA); Fair Credit Reporting Act (FRCA); Fair and Accurate Transaction ACT (FACTA); Gramm-Leach-Bliley Financial Modernization Act (GLBA-Regulation P); Home Mortgage Disclosure Act (HMDA-Regulation C); Mortgage Disclosure Improvement Act (MDIA); Housing and Economic Recovery Act; New Ability-to-Repay Requirements and Qualified Mortgage Standards.
• Proficient with mortgage products, regulations, and processes for Conventional, FHA, VA, and Adjustable-Rate Mortgages.
• Proficient with home equity loans and home equity lines of credit, preferred.

To apply for this exciting opportunity, visit our careers page at

Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

PI72bc390cb7c5-26289-39583736