Mortgage Loan Officer

Royal Credit Union; Whitehall (WI); On-site; USD 65,000 - 120,000; Full time

Benefits offered by this job

5% 401k employer match

Medical, dental, and vision insurance

Paid family and sick leave

Job summary

Royal Credit Union in Whitehall, Wisconsin is seeking a Mortgage Loan Officer to guide Members through the mortgage process, build relationships with Realtors and builders, and help families find the right lending solutions.

You’ll originate loans including lot, construction, and bridge loans, meet production targets, and represent the credit union in the community. The role offers a rewarding income with a forgivable draw and commission based on production.

Qualifications

• High school diploma or equivalent and mortgage lending experience.
• Two years of mortgage loan origination experience using technology and digital loan documentation.
• NMLS Certification is required.
• Demonstrated ability to identify, develop and convert sales opportunities while building relationships.

Responsibilities

• Originate residential mortgage loans including lot, construction, and bridge loans.
• Conduct initial pre-qualification interviews and prepare complete loan packages.
• Develop strong partnerships with Realtors, builders, and community partners.
• Meet scheduling and documentation targets as directed by regional leadership.
• Represent Royal Credit Union in the community and outside office.

Skills

Mortgage origination

Relationship building

Networking

Sales

Customer service

Communication skills

Time management

Financial literacy

Education

High school diploma or equivalent

NMLS Certification

Bachelor's degree in Business/Marketing/Management

Tools

Mortgage origination software

Online banking platforms

Job description

Team Members are at the core of who we are; living our core values of making a difference, doing the right thing, making it easy, being caring, being friendly, nice, and respectful, and taking ownership. Perhaps Royal is the change you’re looking for. Royal Credit Union is looking for caring, energetic team members who want to create a positive impact in the lives of our Members.

Do you enjoy building relationships, helping people achieve homeownership, and growing your network in the community? Become a Mortgage Loan Officer at Royal Credit Union’s Whitehall, WI Location! In this role, you’ll guide Members through the mortgage process, develop strong partnerships with Realtors and builders, and help individuals and families find the right lending solutions to meet their goals.

Why Royal?

• Member and Community Focused: We are dedicated to making a positive impact on our Members and the communities we serve, going beyond financial services to enrich lives and foster growth.
• Supportive Environment: Join a collaborative, values-driven workplace that is always evolving. We support each other and work together to achieve our goals.
• Professional Growth: We offer numerous opportunities for training and advancement, helping you continuously develop and advance your skills.
• Empowerment: We empower our team members to make decisions and drive initiatives that help our Members achieve their financial goals. Your ideas and contributions are valued and encouraged.
• Community Involvement: Engage with your local community through various initiatives and events, making a tangible difference where you live and work. Be part of something bigger.

What You’ll Do

Responsible for origination of residential mortgage loans as well as lot, construction, and bridge loans. Conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation. Convey policies for extension of credit in accordance with Credit Union and secondary investor guidelines. Meet Mortgage Loan scheduling and documentation requirements, and production expectations as determined by the Regional Mortgage Sales Manager. Establish prospective relationships outside the office as well as serving existing Members, builders, developers, and Realtors promptly and professionally.

Our Commitment To You

• There is no limit to your income potential in this position! We offer a forgivable draw and a commission plan that can increase the more production you have.
• In addition, you'll be set up for success at Royal Credit Union by offering a wide range of mortgage products including purchase, refinance, new construction, investment, second home, vacant land, 1st time homebuyer, no down payment, extended locks, portfolio, and grant programs. We have a dedicated and experienced operations team to ensure your Members get the best experience while getting into their new home.
• Benefits: Royal is proud to take care of our team members and their families! In addition to our comprehensive medical, dental, and vision insurance plans, Royal offers a 5% 401k employer match, paid family and sick leave, vacation and sick time accruals, childcare reimbursement, tuition and student loan debt assistance, pet insurance, and much more!

What’s Needed For This Position

• High school diploma or equivalent along with mortgage lending experience.
• Must have either two years of mortgage loan origination experience utilizing technology and digital loan documentation processes.
• Internal candidates, one year of mortgage experience at Royal or another financial institution.
• NMLS Certification is required.
• Demonstrated ability to identify, develop, and convert sales opportunities while building strong relationships with existing and prospective Members, Realtors, builders, and community partners. Strong lead generation, networking, prospecting, and outbound business development skills are essential.
• Strong mortgage lending and financial services knowledge, including familiarity with online banking platforms, loan origination software, lending guidelines, and digital solutions. Ability to educate Members on products and services while recognizing opportunities to recommend additional solutions.
• Exceptional communication, interviewing, listening, and customer service skills with the ability to effectively present information, ask insightful questions, address concerns proactively, and create an outstanding Member experience in a fast-paced environment.
• Proven analytical, critical thinking, decision-making, and organizational abilities. Capable of evaluating complex information, solving problems, producing accurate and high-quality work, prioritizing competing responsibilities, managing time effectively, and adapting to change while consistently meeting performance expectations.

We’d Love To See

• Bachelor's Degree in Business, Marketing or Management.
• Five (5) years of Mortgage Loan Origination related experience.
• Royal Credit Union experience.
• Sales experience with growing and developing sales strategies.

Work Schedule

• Full-Time, working approximately 40 hours per week. Hours and shifts vary between 8am-5pm Monday through Friday, with occasional nights and weekends as needed.
• Position requires significant community involvement and business development efforts, with at least 50% of time spent outside the office establishing new relationships, networking, meeting with Realtors and builders, and representing Royal Credit Union in the community.

Training

• Prior to starting a normal work schedule, new Royal team members must attend Foundation Training at our Corporate Center in Eau Claire, WI from 9:00am - 4:30pm on Monday and Tuesday during their first week of employment. Out-of-town learners may be eligible for reimbursement of travel and lodging expenses, subject to Royal's travel and expense reimbursement guidelines.
• Foundation Training covers fundamental information about Royal’s culture and core values which sets the stage for team members to be successful within our organization.

We will be communicating with you by email and/or text on the status of your application. Please monitor your email inbox and junk folder for status updates and additional instructions.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, protected veteran status or status as an individual with disability.