Mortgage Loan Officer

Mountain America Credit Union

. Proactively solicit new residential mortgage loans and sell Credit Union mortgage products .

Posted 10/9/2026full-timeHeber City • Utah • United StatesJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in mortgage origination, including proficiency with Encompass and Blend, while maintaining compliance with lending regulations and providing exceptional customer service. Capable of building referral relationships and effectively communicating with clients and stakeholders throughout the loan process.

Highest-signal resume keywords

Mortgage OriginationEncompass ProficiencyBlend ProficiencyRegulatory ComplianceCustomer Service

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage ApplicationsCredit AnalysisLoan PackagingFinancial Data AnalysisTax Return InterpretationAUS FindingsLoan Program GuidelinesMicrosoft Office SuiteTyping Speed 35-40 WPMReporting Software

Soft Skills

Attention to DetailStrong Interpersonal SkillsOrganizing SkillsTime-Management SkillsEffective Communication

Tools & Technologies

BlendEncompassOptimal BlueMicrosoft OutlookMicrosoft WordMicrosoft PowerPointMicrosoft Excel

Certifications & Qualifications

NMLS Registration

Industry Keywords

Lending ProgramsFederal ComplianceState ComplianceHMDA RequirementsReal Estate Transactions

About the role

Key responsibilities & impact

Proactively solicit new residential mortgage loans and sell Credit Union mortgage products
Spend at least 50% of time marketing outside the credit union
Identify, develop, and maintain referral relationships with real estate agents, builders, and personal and professional contacts
Promote home ownership through community involvement
Respond to member inquiries and referrals
Interview prospective borrowers and analyze financial and credit data
Advise borrowers on mortgage products, pricing policies, guidelines, and financing options
Meet with members and prospective borrowers throughout the lending process
Prepare complete and accurate loan applications and loan packages
Oversee the loan process from origination to closing and maintain ongoing communication with borrowers and business partners
Achieve or exceed Mortgage Department production goals
Complete mortgage applications through Blend and Encompass
Run credit reports and AUS; collect fees; order appraisals and title reports
Collect supporting documentation and submit complete loan packages to Mortgage Loan Coordinators
Ensure loans are submitted to Underwriting within 48 hours of completed packages
Work with Loan Coordinators to satisfy underwriting conditions
Track REPC and rate-lock deadlines and arrange extensions when needed
Maintain detailed loan notes and respond urgently to changes in loan files
Counsel members whose loans are denied regarding credit improvement goals
Attend required training, regional MLO meetings, Mortgage Department meetings, and weekly branch meetings
Maintain current knowledge of lending programs, policies, procedures, and regulatory requirements
Perform duties in accordance with Credit Union policies and procedures
Perform other duties as assigned

Requirements

What you’ll need

2 years professional experience in a progressive financial lending setting
Minimum high school diploma or educational equivalent required
Ability to obtain an NMLS number; mortgage originators must register on the NMLS
Intermediate to Advanced skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel
Experience with analytical and reporting software preferred
Demonstrated experience with Encompass, Blend, and Optimal Blue preferred
Ability to type a minimum of 35–40 words per minute
Ability to read and interpret tax returns, income statements, contracts, real estate transaction documents, loan program guidelines, AUS findings, and preliminary title reports
Ability to write routine reports and correspondence
Ability to speak effectively before groups of employees, members, or clients
Attention to detail and outstanding customer service
Ability to clearly express ideas, methodology, results, and recommendations verbally, in writing, and through reports and graphic illustration
Ability to document outcomes and present information appropriately for key stakeholders and all organizational levels
Thorough knowledge of lending programs, policies, procedures, regulatory requirements, Federal and State compliance policies, and HMDA requirements
Ability to work autonomously and collaboratively in a fast-paced environment
Ability to handle problems involving several variables
Strong organizing and time-management skills
Ability to adapt to change and learn continuously
Strong interpersonal skills and ability to lead and collaborate with ad-hoc teams
Ability to sit, talk, and hear consistently; stand, walk, and use hands occasionally
Ability to lift up to 10 pounds occasionally

Benefits

Comp & perks

EEO/AA/ADA/Veterans employer
Reasonable accommodations during the application, interview, and employment process
Required Credit Union training, including University classes