Mortgage Loan Originator

IHMVCU; Des Moines (IA); On-site; USD 36,000 - 44,000; Full time

Job summary

IHMVCU in Des Moines invites applications for a Mortgage Loan Originator to assist members from application through closing, delivering a smooth, supportive lending experience. The role emphasizes building relationships and educating members on mortgage options to help them achieve homeownership.

The ideal candidate has a bachelor’s degree or equivalent, loan experience in consumer or commercial lending, and at least 2 years in sales, with NMLS registration required.

Qualifications

• Bachelor’s degree or equivalent education and experience.
• Prior loan experience required in consumer lending, commercial lending, processing or underwriting.
• Minimum of 2 years in proven successful sales.
• Eligibility to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and maintain registration as an MLO.

Responsibilities

• Assist members with full mortgage application from intake to closing.
• Develop and maintain referral relationships with realtors, builders and others.
• Coordinate with mortgage staff to analyze and obtain outstanding loan documentation after closing.
• Explain complex information clearly to members and realtors in writing and verbally.
• Lock rate terms with secondary market investor and meet rate lock deadlines.
• Explain and apply loan programs and regulatory requirements; deliver disclosures.

Education

Bachelor’s degree or equivalent education and experience

Job description

Join Our Team as a Mortgage Loan Originator at IHMVCU!

At IHMVCU, we are member-focused and dedicated to providing exceptional service while fostering financial well‑being within the communities we serve. We are passionate about helping our members achieve homeownership and reach their financial goals by offering personalized mortgage solutions and trusted guidance throughout the lending journey.

We are seeking a motivated, relationship‑driven Mortgage Loan Originator to join our team in the Des Moines area. In this role, you will assist members with their mortgage lending needs from application through closing, while creating a smooth, supportive, and efficient experience every step of the way.

The ideal candidate is passionate about building meaningful relationships, educating members on mortgage options, and helping individuals and families feel confident throughout the homebuying process. This position offers the opportunity to grow community connections, deliver personalized financial guidance, and make a lasting impact by helping members achieve one of life's biggest milestones: homeownership.

Experience Required

• Bachelor’s degree or equivalent education and experience
• Prior loan experience required in: consumer lending, commercial lending, processing or underwriting.
• Experience in proven successful sales, Minimum of 2 years.
• Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO).

Main Responsibilities

• Assist members complete full application process via face‑to‑face, phone or online. Obtain all necessary support documents, review credit information and investigate all inconsistencies. Professionally convey preliminary underwriting decision to borrower.
• Develop and maintain referral relationships with members, area realtors, builders and others involved in the real estate process.
• Work with mortgage department staff in analyzing and solving situations. Obtain outstanding loan documentation after closing as needed.
• Strong ability to articulate complex information in a clear and concise manner, both verbally and in writing to both members and realtors.
• Lock the terms of the loan with secondary market investor. Responsible for meeting rate lock deadlines. Must negotiate terms and conditions of loans with members in accordance with credit union policies and procedures.
• Have knowledge of all mortgage loan products and programs offered by the credit union, including those available through our affiliate relationships. (e.g., PHH, IHDA, FHLB, FHA, city and state programs)
• Understand and apply all federal and state regulations governing credit union lending, with particular emphasis on mortgage lending. Prepare and deliver all disclosures to meet compliance requirements.

Being a team member of IHMVCU is more than just a job, we want to make differences in the communities we live in and serve. Check out our careers page for more information including benefits: www.ihmvcu.org/careers. Final compensation will be determined by various factors such as experience, specific skills and internal pay equity.

Move Up your career at IHMVCU with this great opportunity!

Physical Requirements

• Sitting: Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.
• Talking: Expressing or exchanging ideas by means of the spoken word; those activities where detailed or important spoken instructions must be conveyed to other workers accurately, loudly, or quickly.
• Hearing: Perceiving the nature of sounds at normal speaking levels with or without correction and having the ability to receive detailed information through oral communication and making fine discriminations in sound.
• Finger, handle, touch: Picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Applying pressure to an object with the fingers and palm.
• Visual Demands: Visual acuity to do things such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.
• Lifting Demands: Up to 10 lbs.

Salary: $40,000.00 - $40,000.00 per year