Mortgage Loan Officer

Truliant Federal Credit Union; Charlotte (NC); On-site; USD 55,000 - 95,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

401(k) with matching

Paid holidays and PTO

Community involvement volunteering

Life Insurance

Tuition reimbursement

Wellness program

Teledoc

Onsite fitness facilities

Employee Assistance Program

Job summary

Truliant Federal Credit Union in Charlotte, NC is seeking a Mortgage Loan Officer to guide members through homeownership and connect them with suitable mortgage solutions.

You will build referral networks, manage your pipeline, and collaborate with processors, underwriters and mortgage teammates to deliver a compliant, high-quality lending experience from first contact to closing.

Qualifications

• Bachelor's degree in Business, Finance or related field.
• NMLS-developed SAFE Mortgage Loan Originator Test with a score of 75% or better within one year.
• Experience in residential mortgage lending and knowledge of compliance requirements.

Responsibilities

• Grow residential mortgage business by building referral relationships with real estate professionals and other centers of influence.
• Explain mortgage options and gather information for loan applications from prospective borrowers.
• Collaborate with processors, underwriters and mortgage team members to support a smooth origination-to-closing process.

Skills

Relationship building

Customer service

Communication

Time management

Education

Bachelor's degree in Business/Finance

NMLS SAFE Mortgage Loan Originator Test

Tools

Microsoft Office

CRM systems

Job description

Truliant's mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our core values of Member Focus, Service, Guidance, Relationships, and Community define how we interact with members to fulfill our mission of improving lives and providing a foundation on which we conduct ourselves.

Our Promise to Our Teammates: Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do.

Why this role matters

At Truliant Federal Credit Union, helping members feel confident about homeownership is part of how we improve lives. As a Mortgage Loan Officer, you will guide members through one of the most important financial decisions they may make, while connecting them with mortgage solutions that fit their goals.

This is a great opportunity for someone who enjoys building relationships, developing referral networks and creating a thoughtful lending experience from first conversation through closing.

What you'll do

In this role, you will proactively grow residential mortgage business while serving as a trusted resource for members, referral partners and internal teams. You will balance business development with strong loan guidance, clear communication and a consistent focus on quality, service and compliance.

Day to day, you'll:

• Build and maintain referral relationships with real estate professionals, builders, community contacts and other centers of influence.
• Meet with prospective borrowers to understand their financial goals, explain mortgage options and gather the information needed for complete loan applications.
• Partner closely with processors, underwriters and mortgage team members to support a smooth experience from origination to closing.

Beyond that, your work will include staying current on lending programs and regulatory requirements, participating in community efforts that promote homeownership and providing timely updates to members and business partners.

What you bring

We are looking for someone who combines mortgage lending knowledge, relationship-building confidence and a genuine commitment to member service. This role is a strong fit if you are comfortable owning your pipeline, generating self-sourced business and helping people make informed financial decisions.

Required Experience:

• 1+ years of residential mortgage lending experience with a focus on generating self-sourced business.
• Demonstrated success prospecting, generating leads, closing business and consistently meeting or exceeding production goals.
• Established referral network that may include real estate professionals, builders and other centers of influence.

Required Skills:

• Working knowledge of first and second mortgage real estate lending, including loan origination, processing, underwriting, closing procedures and related compliance requirements.
• Ability to analyze complex financial and credit information and present appropriate financing alternatives.
• Strong member communication skills, including the ability to explain loan products, pricing, guidelines and next steps clearly in English, both verbally and in writing.
• Solid time management and organization skills with the ability to prioritize multiple loans, referrals and follow-up activities at the same time.
• Comfort using Microsoft applications, database tools and laptop-based technology to access rate, credit and loan status information.
• Professional interpersonal skills and the ability to collaborate effectively with members, referral partners and internal mortgage teams.
• Ability to meet bonding requirements and complete assignments with minimal supervision in a general office environment.

Education/Certifications:

• NMLS-developed S.A.F.E. Mortgage Loan Originator Test with a score of 75% or better within one year, or equivalent proficiency based on industry experience.

You should also be comfortable balancing business development, member education and compliance-focused follow-through in a role where trust and responsiveness matter every day.

What sets you apart

You don't need to check every box, but here's what will help you thrive in this role:

• Bachelor's degree in Business, Finance or a related field.
• Related experience in loan processing, financial services or a credit union environment.
• A strong community presence and experience participating in business development, networking or homeownership-focused events.
• A track record of creating long-term referral relationships that lead to repeat mortgage opportunities.

What you'll get

We believe in supporting our team members both professionally and personally.

In this role, you can expect:

• Purpose-driven work that helps members navigate home financing with clarity, confidence and care.
• A collaborative mortgage environment where processors, underwriters and lending partners work together to support a strong member experience.
• The opportunity to represent Truliant in the community and build relationships that support homeownership and long-term member trust.
• A workplace culture focused on inclusion, belonging, flexibility where role-appropriate and helping teammates feel valued, empowered and rewarded.
• Room to grow your professional network, deepen your lending expertise and contribute to a mission centered on improving members' lives.

As a member of the Truliant family, you will enjoy the following full time benefits:

• No-cost employee Medical, dental, vision coverage
• Prescription benefits (including mail order)
• Paid holidays and Paid Time Off (PTO)
• 401(k) plan with contribution matching
• Paid community involvement volunteers hours
• Paid group life Insurance
• Teammate loan discounts
• Tuition reimbursement
• Short and long-term disability
• Health & Wellness program
• Teledoc (physician video conferencing)
• Onsite fitness facilities or health club reimbursement
• Employee Assistance Program (EAP)
• Medical flexible spending account
• Dependent care flexible spending account