Realtors/Mortgage Professionals

Mortgage Loan Officer
The Mortgage Loan Officer (MLO) plays a vital role in helping Members achieve homeownership by providing personalized guidance and supporting them throughout the mortgage lending process. This role is relationship-driven, requiring strong self-sourcing, community engagement, and the ability to build a sustainable book of business in the El Paso market. As UFCU expands its footprint beyond Central Texas, this role will support mortgage growth across Houston, including UT Medical Center, Pearland, and future branches opening in 2026. The MLO will nurture relationships with REALTORS, builders, community organizations, and Members to deliver a world-class, member-focused homebuying experience. In addition to supporting existing UFCU Members, the MLO will also work with non-members seeking mortgage financing, helping guide them through the lending process and welcoming them into membership when appropriate.
Founded in 1936, UFCU has grown to serve Members across Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures. We act in our Members' best interests, forever seeking to empower their financial success.
We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity: We do the right thing, always. Join a trusted Texas credit union with strong brand recognition and deep member loyalty.
Help shape UFCU's presence in the fast-growing Houston market, supported by new branch expansion and community outreach.
Influence referral strategy, relationship development, and community engagement efforts.
Self-source mortgage production through proactive outreach and relationship-building.
Develop and maintain strong partnerships with REALTORS, builders, and community organizations.
Represent UFCU at Houston community events, homebuyer workshops, and industry gatherings.
Build UFCU's mortgage presence in Houston by developing a sustainable pipeline in an emerging market.
Partner with branch teams and internal partners to identify opportunities to support Members and non-members seeking financing.
Maintain updated knowledge of mortgage trends, market conditions, and guidelines.
Partner with both Members and non-members seeking mortgage financing by providing education, guidance, and personalized loan recommendations.
Assess borrower financial needs, analyze loan options, and recommend appropriate products including Conventional, FHA, VA, and portfolio loans products.
Deliver a high-quality, member-centric mortgage experience throughout the homebuying process.
Maintain knowledge of current mortgage guidelines
Utilize CRM to consistently track and communicate all phases of the loan process from start to closing
Serve as a liaison between involved parties in the mortgage transactions such as REALTORS, title company personnel and others
Serve as UFCU outside sales representative by actively identifying, soliciting, developing relationships with REALTORS, builders and other referral partners to increase mortgage lending business in the community
Develop and implement sales strategies designed to meet credit union and mortgage lending goals in the community.
Participate in industry professional associations to stay informed and educated on the mortgage industry
Adhere to all company policies, procedures and business ethics codes
Maintain strict adherence and compliance to all laws, rules, regulations, policies, procedures and internal controls specific to the MLO role
Strong relationship-building skills with REALTORS, builders, and referral partners.
Fully competent in Microsoft Office, Encompass, and other related software programs. Demonstrates the ability to use loan origination software to efficiently perform job functions.
Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending, required. These include but are not limited to: HMDA, RESPA, Fair Housing, ECOA, TIL, and Section 50, Article XVI of the Texas Constitution.
Ability to use clear and simple language to get the message across to members and co-workers.
Ability to manage multiple projects, under tight deadlines while maintaining the accuracy and integrity of loan documentation.
High school diploma or equivalent
Minimum of 3 years of recent residential mortgage loan origination
Experience partnering with REALTORS, builders, or community referral sources.
Strong understanding of mortgage lending guidelines, processes, and borrower qualification.
Bachelor's Degree
Established network of REALTORS, builders, and community partners in the Houston market.
Experience supporting veteran homebuyers and originating VA loans.
Credit union lending experience or background in mission-driven financial institutions.
Bilingual English/Spanish.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Employee will make extensive use of the telephone requiring the ability to effectively and accurately explain complex information.
May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
Frequent computer use at a workstation of up to two hours at a time.