UFCU · 1 day ago
Mortgage Loan Officer Houston
Pearland, TX
Full-time
Onsite
Mid Level
3+ years expUFCU is one of the largest and most trusted credit unions in Texas, serving over 400,000 Members. The Mortgage Loan Officer plays a crucial role in helping Members achieve homeownership by providing personalized guidance and support throughout the mortgage lending process, focusing on building relationships within the Houston market.
Financial Services
Responsibilities
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
Support non-member borrowers in understanding the value of UFCU membership and assist them in becoming Members when appropriate
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
Comply with RESPA, HMDA, and other laws and regulations
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
Attend the closing when possible
Make post-closing follow-up calls to ensure member satisfaction and request referrals
Provide timely and accurate loan information to Members
Display a commitment to providing up-to-date and accurate information by attending a minimum of two professional seminars annually and pursuing on-going learning
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
Make calls and presentations to referral partners
Create outside referral sources to generate 50% of monthly volume goals
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
Perform other duties as assigned
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
Qualification
Required
High school diploma or equivalent
Minimum of 3 years of recent residential mortgage loan origination
Proven success originating Conventional, FHA, VA, and portfolio loans
Demonstrated ability to sustain production through self-sourced
Experience partnering with REALTORS®, builders, or community referral sources
Valid NMLS registration and compliance with SAFE Act requirements
Strong understanding of mortgage lending guidelines, processes, and borrower qualification
Must be bondable
Displays strong interpersonal skills through fostering teamwork and demonstrating patience and respect when dealing with difficult situations
Strong relationship-building skills with REALTORS®, builders, and referral partners
Fully competent in Microsoft Office, Encompass, and other related software programs
Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending, required
Ability to present ideas and thoughts in a clear, concise manner
Ability to make oral presentations with persuasiveness and confidence
Ability to use clear and simple language to get the message across to members and co-workers
Able to quickly build rapport and establish credibility with members and co-workers
Ability to manage multiple projects, under tight deadlines while maintaining the accuracy and integrity of loan documentation
Preferred
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
Experience working in a high-growth or expansion market
Bilingual English/Spanish
Company
UFCU
Empowering our Members to achieve financial success and brighter futures. Federally Insured by NCUA. Equal Housing Lender.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Michael Crowl
CEO & President
Rhonda Pavlicek, MBA, CPA
Executive Vice President of Finance & Risk / Chief Financial Officer
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