Mortgage Loan Officer Job at MEMBERS1ST COMMUNITY CREDIT UNION, Ames, IA

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  • MEMBERS1ST COMMUNITY CREDIT UNION
  • Ames, IA

Job Description

MEMBERS1st Community Credit Union   Financially Empowering Central Iowa

Position Overview

MEMBERS1st Community Credit Union is seeking an experienced and member-focused  Mortgage Loan Officer  to join our growing team. In this role, you will originate, process, and close residential mortgage loans while upholding our mission of  Financially Empowering Central Iowa . The ideal candidate provides exceptional service, demonstrates strong mortgage knowledge, and is committed to our cooperative values and community-focused principles.

As a Mortgage Loan Officer, you will guide members through the lending process with accuracy, transparency, and care while supporting departmental goals and ensuring compliance with all regulatory requirements.

Key Responsibilities

  • Provide exceptional service by identifying member mortgage needs and recommending appropriate lending solutions.
  • Educate members on mortgage products, rates, terms, and the overall loan process.
  • Represent MEMBERS1st with professionalism, respect, and a service-oriented approach aligned with our mission and values.
  • Originate and manage a pipeline of residential mortgage loans, including intake, application review, documentation collection, and file preparation.
  • Submit complete and accurate files to underwriting while ensuring timely processing and adherence to policies.
  • Guide members throughout the mortgage process, providing updates and responding promptly to inquiries.
  • Collaborate with underwriting, processing, closing, and other internal departments to maintain efficiency and loan quality.
  • Ensure all mortgage activities comply with federal/state regulations, investor guidelines, and credit union policies.
  • Stay current on mortgage regulations, lending guidelines, and industry trends.
  • Protect member information by maintaining confidentiality and security standards.
  • Complete all required Mortgage Loan Originator (MLO) training and licensing.
  • Represent MEMBERS1st at community events, educational sessions, and service initiatives.
  • Develop and maintain relationships with real estate agents, builders, and referral partners to support loan growth.
  • Promote the credit union’s cooperative philosophy and commitment to member and community well-being.
  • Perform additional duties as needed to support credit union operations and initiatives.

Compensation

  • Base Salary:  $65,000
  • Commission:  Compensation will include a base salary plus a commission rate, based on experience and loan origination volume.

Education/Experience

  • High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or related field preferred.
  • Previous experience in mortgage lending, banking, credit unions, or financial services strongly preferred.
  • Must possess or obtain all required Mortgage Loan Originator (MLO) licensing and registration in accordance with federal and state requirements.
  • Experience with loan origination software, financial systems, and digital document workflows preferred.

  Benefits

  • 401(k)
  • 401(k) matching
  • Health insurance
  • Dental insurance
  • Vision insurance
  • Health savings account (HSA)
  • Paid time off
  • Paid sick time
  • Tuition reimbursement

Job Tags

Base plus commission,

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