Equity Mortgage Loan Officer | Hybrid | Eugene, Oregon

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Equity Mortgage Loan Officer | Hybrid | Eugene, Oregon

OCCU is a member-owned credit union based in Eugene, Oregon, guided by a clear and meaningful vision: to Enrich Lives. This purpose drives everything we do, from how we serve our members to how we support one another as colleagues. With a strong commitment to community impact, OCCU lives its values of tenacity, humility, and big-heartedness every day.

We are seeking a member-focused, experienced Equity Mortgage Loan Officer to help members navigate home equity lending with confidence. This is a hybrid position based in Eugene, Oregon, offering a starting pay rate of $23.08 per hour plus eligibility for commissions.

Because this position works both on-site and remotely, candidates must have a quiet, professional place to work from home with reliable internet service and reside in Oregon within driving distance to Eugene.

About the Role:

As an Equity Mortgage Loan Officer, you will guide members through the home equity lending process from initial application through closing. You will review and analyze loan requests, evaluate documentation and lending requirements, help determine appropriate home equity solutions, and keep loans moving efficiently through the pipeline.

Equally important, you will serve as a trusted advisor to our members. Success requires someone who can ask thoughtful questions, understand individual financial needs, explain lending options clearly, and recommend appropriate products and solutions while creating a positive member experience.

Key Responsibilities:

• Guide members through home equity loan and line-of-credit applications, from initial application through closing.
• Review applications, credit reports, borrower information, property information, and supporting documentation for completeness and qualification.
• Help members understand available lending solutions and make appropriate product and service recommendations based on their needs.
• Communicate loan decisions and follow up with members throughout the lending process.
• Maintain an accurate loan pipeline and proactively keep loans progressing within established timelines.
• Maintain thorough documentation and notes within loan origination and CRM systems.
• Coordinate documentation, disclosure timing, closing/funding dates, and signing activities with members and internal partners.
• Maintain a high degree of accuracy, confidentiality, organization, and attention to detail.
• Meet established performance and service expectations and proactively communicate potential delays or barriers.
• Follow applicable lending, BSA, NMLS, and other regulatory requirements.

What We’re Looking For:

• At least one year of similar or related experience working with mortgages.
• Strong member/customer service skills with the ability to build trust and serve as a consultative advisor.
• Ability to review financial and loan information carefully and accurately.
• Strong attention to detail and documentation practices.
• Excellent verbal and written communication skills.
• Strong organization, time management, and pipeline-management skills.
• Ability to prioritize multiple loans, member needs, and deadlines in a changing environment.
• Sound judgment and problem-solving skills.
• Ability to work independently while collaborating closely with internal partners.
• Comfort working toward established performance and service expectations.
• Ability to maintain confidentiality when working with sensitive financial information.

Preferred Qualifications:

• Experience using Encompass or another loan origination system.
• Experience managing a lending or sales/service pipeline.

This position must maintain applicable NMLS SAFE Act licensing and renewal requirements and must remain eligible to perform origination functions on loans sold to external partners.

Why Join OCCU:

OCCU offers a comprehensive compensation and benefits package designed to support your well-being and professional growth, including:

• Low-cost medical, dental, and vision insurance
• 401(k) retirement plan with employer match
• Paid time off plus 13 paid holidays
• Tuition reimbursement for eligible education and training
• Company-paid long-term disability
• 40 hours of company-paid core time annually for full-time employees to participate in community volunteer opportunities

OCCU is an Equal Opportunity Employer and welcomes applications from all qualified candidates.

If you enjoy building relationships, guiding people through important financial decisions, and creating positive member experiences, we encourage you to apply.