Mortgage Loan Officer

HRCU - Holy Rosary Credit Union; Rochester (NH); On-site; USD 50,000 - 65,000; Full time

Benefits offered by this job

Paid time off including Vacation, Sick, Personal, Birthday

11 paid holidays

Tuition Reimbursement

Student loan repayment

Health insurance with employer contribution

401(k) retirement savings plan with matching

Job summary

HRCU - Holy Rosary Credit Union in Rochester, New Hampshire is seeking a dedicated Mortgage Loan Officer to guide members through the mortgage lending process. This role involves assessing financial situations, preparing loan applications, and facilitating smooth loan approvals.

The ideal candidate has at least two years of mortgage origination experience, strong knowledge of mortgage products, and excellent interpersonal skills. This position includes base pay, commissions, and a sign-on bonus.

Qualifications

• Minimum two years of mortgage origination experience required.
• Ability to build relationships and communicate with diplomacy.
• Must have effective judgement and reasoning skills.

Responsibilities

• Meet with members to determine their mortgage needs.
• Prepare and submit loan applications for accuracy.
• Maintain ongoing communication with members throughout the loan process.

Skills

Effective listening skills

Interpersonal skills

Organizational skills

Strong knowledge of mortgage products

Education

Two-year college degree or equivalent

Tools

Encompass

Job description

Description

We are seeking a dedicated and detail-oriented Mortgage Loan Officer to join our dynamic team. In this role, you will be responsible for guiding members through the mortgage lending process, helping them secure the best financing options to meet their homeownership goals. The day‑to‑day includes meeting with members, following up, managing the pipeline, and working with the mortgage operations team on your loans. If you have a passion for service and a strong understanding of mortgage products, we encourage you to apply and become part of our growing organization.

Key Responsibilities

• Meet with members to assess their financial situation and determine their mortgage needs
• Explain loan options, terms, and conditions clearly
• Collect and review financial documents, including credit reports, income statements, and asset information
• Prepare and submit loan applications, ensuring accuracy and completeness
• Coordinate with underwriters, processors, and other stakeholders to facilitate smooth loan approval processes
• Stay informed about current mortgage regulations, market trends, and lending policies
• Maintain ongoing communication with members throughout the loan process to ensure a positive experience
• Achieve individual and team sales targets and contribute to overall business growth

Community Relations and Business Development

Be a visible presence in the local community. Promote the credit union through active participation in business, community, and charitable organizations and activities. Work closely with credit union business development, membership development, lending, and commercial staff to assist in the development and monitoring of new business within the community and maintain strong personal relationships with existing members and business partners.

Requirements

• Minimum two years of mortgage origination experience is required.
• Education: (1) A two‑year college degree, (2) completion of a specialized certification or licensing, (3) completion of specialized training courses conducted by vendors, or (4) job‑specific skills acquired through an apprenticeship program.
• Interpersonal Skill: Ability to build relationships, resolve conflicts, and communicate with diplomacy and tact.

Other Skills

• Effective listening skills, good judgement and reasoning.
• Experience in multiple software programs; Encompass is a plus.
• Strong knowledge of mortgage products, lending regulations, and financial analysis.
• Mathematical skills.
• Organizational skills and ability to perform multiple tasks with attention to detail.
• Proactive problem‑solving approach.
• Must be able to obtain and maintain an NMLS license.

Compensation

Base pay plus a monthly commission. A sign‑on bonus is included.

Applicant Instructions

• Resume and cover letter required.
• No phone calls, please.

What We Offer

• Paid time off including Vacation, Sick, Personal, Birthday totaling 19 days annually.
• 11 paid holidays.
• Tuition Reimbursement.
• Student loan repayment.
• Banking and loan discounts.
• Insurance – medical, dental, and vision with generous employer contribution.
• Flex Spending Plans & Health Savings Account with employer funding.
• Company‑paid Life Insurance, Short Term & Long Term Disability.
• 401(k) retirement savings plan (with a match of up to 6%).
• Professional Development.

Equal Opportunity Employer

A background check including references, prior employment, social security trace, credit report, and national/county/local criminal records.

HRCU is an Equal Opportunity Employer (EOE). We are an inclusive organization and actively promote equality of opportunity for all with the right mix of talent, skills and potential. We welcome all applications from a wide range of candidates. Selection for roles will be based on individual merit alone.