Mortgage Loan Officer

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

PAY RANGE

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company's 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU'LL MAKE:

As a Mortgage Loan Officer - Member Direct Mortgage Sales at BECU, you'll be the trusted guide helping our members navigate one of the most important financial decisions of their lives-purchasing or refinancing a home. Your expertise will help members find the mortgage solution that best fits their needs, all while providing an exceptional experience from the first conversation to closing. You'll leverage both phone and digital channels to expand BECU's reach, ensuring every member feels supported, informed, and confident in their home loan journey.

WHAT YOU'LL DO:

• Build Strong Member Relationships: Connect with members to understand their unique needs and guide them toward mortgage solutions that fit their goals.

• Originate Loans with Care: Take complete, accurate loan applications, gather required documents, and ensure all disclosures and fees are clearly communicated.

• Match Products to Member Needs: Pre-qualify members and align them with mortgage products that provide the most value and benefit.

• Be the Mortgage Process Navigator: Serve as the primary contact for members, real estate agents, and all involved parties-keeping everyone informed from application through closing.

• Partner for Success: Collaborate with Mortgage Fulfillment, Support, and Servicing teams to resolve issues quickly and ensure a seamless experience.

• Maintain Expert Knowledge: Stay current on mortgage products, lending guidelines, underwriting processes, compliance regulations, and real estate market trends.

• Negotiate with Integrity: Discuss and confirm loan terms with members, locking rates in accordance with BECU policies.

• Ensure Accuracy: Review application data for integrity, analyze Automated Underwriting System findings, and properly document files to meet underwriting and investor requirements.

• Stay Connected to the Industry: Maintain expertise by participating in professional development, reading industry publications, and networking.

• Deliver on Service Standards: Meet phone service level goals, including availability and timely responses to member inquiries.

• Go Beyond the Basics: Perform additional duties that support team and organizational success.

This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU'LL GAIN:

As the ideal candidate for this role, you'll find yourself attracted to BECU because you:

• Thrive on building trust and making a real difference in members' lives.

• Enjoy combining financial expertise with a people-first approach.

• Are motivated by solving complex problems with accuracy and care.

• Value collaboration and want to work alongside talented, supportive colleagues.

• Seek opportunities to grow your career in a mission-driven organization.

• Appreciate being part of a team that values both innovation and tradition.

• Want to work in an environment that celebrates your contributions and invests in your professional development.

QUALIFICATIONS:

Minimum Qualifications:

• High school diploma or equivalent required.

• Minimum 4 years of lending sales, processing, or underwriting experience.

• Minimum 5 years of sales experience.

• Verbal and written communication skills.

• Math skills with a high degree of accuracy.

• Ability to evaluate loan applications and supporting documentation.

• Ability to perform complex income analysis, including review of complex tax returns (corporate, partnerships, sub-S corporations).

• Demonstrated knowledge of conventional and/or government lending guidelines.

• Demonstrated knowledge of mortgage processing, underwriting, and closing procedures.

• Demonstrated knowledge of regulatory compliance.

• Comply with SAFE Act legislation, including annual registration as a Mortgage Loan Originator (MLO).

Desired Qualifications:

• College degree preferred.

• Experience with conventional, FHA, VA, and jumbo mortgage products strongly preferred.

• Financial Services/Financial Institution background preferred.

JOIN THE JOURNEY
Ready to make an indelible impact? Eager to be part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now.

#BECU #YourGrowth #BECUJourney

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BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.