Mortgage Officer

Coastal Community FCU; La Marque (TX); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) retirement plan

Paid time off

Professional development

Job summary

Coastal Community FCU in Texas seeks a Mortgage Officer to build relationships with borrowers, evaluate loan applications, and guide clients from pre-qualification to closing. The role blends sales, financial analysis, and customer service in a regulated lending environment.

The ideal candidate has 2+ years in mortgage origination or sales, with an MLO license, LOS proficiency, and strong communication skills. On-site role with benefits including standard medical and retirement options.

Qualifications

• Excellent communication skills, both verbal and written.
• Ability to analyze credit, income, and property information.
• Detail-oriented with strong regulatory compliance awareness.
• Proven ability to manage multiple tasks and deadlines.

Responsibilities

• Originate residential mortgage loans through referrals and outreach.
• Consult with borrowers to assess needs and recommend solutions.
• Collect and review documentation and complete loan applications.
• Coordinate with underwriters and closing teams to move loans to close.
• Ensure loan files comply with lending regulations and policies.
• Maintain an active pipeline and provide updates to borrowers/partners.
• Build relationships with realtors, builders, and financial advisors.
• Meet or exceed monthly and quarterly production targets.

Skills

Communication

Sales Acumen

Analytical Ability

Organization

Customer Service

Integrity

Education

High school diploma or GED; Associate's or Bachelor's degree in Business/Finance

Tools

LOS

Microsoft Office

CRM tools

Job description

Description

A Mortgage Officer builds relationships with prospective borrowers, evaluates loan applications, and guides clients through the mortgage process from pre-qualification to closing. This role combines sales, financial analysis, and customer service to deliver compliant, timely mortgage solutions that meet both client needs and company objectives. The ideal candidate is detail-oriented, persuasive, and comfortable working in a regulated lending environment.

Requirements

Key Responsibilities

• Origination: Source and originate residential mortgage loans through referrals, marketing, community outreach, and direct prospecting.
• Client Consultation: Meet with borrowers to assess needs, explain loan products, and recommend appropriate mortgage solutions.
• Application Management: Collect and review borrower documentation, complete loan applications, and ensure accuracy of disclosures and paperwork.
• Underwriting Coordination: Work closely with underwriters, processors, and closing teams to resolve conditions and move loans to timely closing.
• Compliance: Ensure all loan files comply with federal, state, and company lending regulations and internal policies.
• Pipeline Management: Maintain an active pipeline, track loan status, and provide regular updates to borrowers and referral partners.
• Relationship Building: Develop and maintain relationships with realtors, builders, financial advisors, and other referral sources.
• Performance Targets: Meet or exceed monthly and quarterly production goals and quality metrics.

Qualifications

Required

• Education: High school diploma or GED; Associate’s or Bachelor’s degree in Business, Finance, or related field preferred.
• Experience: Minimum 2 years of mortgage origination, loan officer, or mortgage sales experience.
• Licensing: Active Mortgage Loan Originator (MLO) license as required by state and NMLS registration.
• Technical Skills: Proficiency with loan origination systems (LOS), Microsoft Office, and CRM tools.
• Background Checks: Ability to pass credit, criminal background, and employment verification checks.

Preferred

• Experience: Proven track record of meeting production goals in retail or wholesale mortgage channels.
• Knowledge: Familiarity with conventional, FHA, VA, and USDA loan products.
• Certifications: Additional industry certifications or continuing education in mortgage lending.
• Bi-lingual a plus

Skills and Competencies

• Communication: Strong verbal and written communication; ability to explain complex financial concepts clearly.
• Sales Acumen: Consultative selling skills with a focus on building long-term client relationships.
• Analytical Ability: Attention to detail and ability to analyze credit, income, and property information.
• Organization: Excellent time management and pipeline prioritization skills.
• Customer Service: Empathetic, responsive, and client-focused approach.
• Integrity: High ethical standards and commitment to regulatory compliance.

Compensation and Benefits

• Compensation: Competitive base salary
• Benefits: Medical, dental, vision, 401(k) retirement plan, paid time off, and professional development support.