Mortgage Loan Officer - Denver Metro

Why Westerra?

Here at Westerra Credit Union, every employee counts. Our teams are made up of high-performing individuals committed to being HONORABLE
, INVENTIVE
, and CURIOUS – qualities that make us GREAT
! Each person brings their authentic self to work every day, and we want you to feel comfortable being YOU
.

All of our team members work towards a shared purpose: to teach one another to prosper. We strive to be a modern financial community where we all truly belong
, both for our employees and the members we serve. We look forward to seeing how you will contribute to this purpose by positively impacting our members’ lives through personal attention, financial education , community engagement, and more. This is true for every role, as we are all member-facing.

Founded by schoolteachers in 1934, we are a learning organization at our core. We embed a growth mindset in our employees, ensuring that we all prosper together! If you’re ready to make an impact and join a community where you can grow, belong, and thrive, we encourage you to apply today and help shape the future of Westerra!

The Retail Mortgage Loan Officer (MLO) is responsible for generating mortgage production through proactive outside sales while also assisting members and prospective members with their mortgage needs. The primary responsibility is to attract new business through referral relationships and community presence, while also acting on member referrals, credit‑union–generated leads, and a limited number of inbound calls.

Retail MLOs will develop strong partnerships with realtors, builders, and other referral sources to promote Westerra’s portfolio and secondary‑market mortgage products. They will guide applicants through the mortgage process from initial consultation to closing, partnering closely with operations, branches, and the contact center to provide an exceptional member experience.

• Develop, strengthen, and maintain referral relationships with external partners such as realtors, builders, financial advisors, and community organizations to grow self‑generated mortgage production.
• Promote Westerra’s portfolio and secondary‑market mortgage products through regular field visits, networking, community engagement, and relationship management.
• Develop, maintain, and deepen relationships with existing and new borrowers to drive referrals, repeat business, and overall production.
• Represent Westerra at community events and industry functions to increase brand visibility and business development opportunities.
• Achieve minimum production requirements of $800,000 or 3 closed‑end mortgage units per month after the first six (6) months of employment.
• Act promptly and professionally on outbound calling lists and lead opportunities provided by Westerra.
• Support a small volume of inbound mortgage inquiries and convert these into high‑quality applications.
• Partner with branch and contact center teams to ensure members receive timely and accurate mortgage guidance.
• Conduct thorough, consultative interviews with members and potential members to understand financial needs and recommend appropriate mortgage solutions.
• Evaluate and structure first mortgages, closed‑end second mortgages, and HELOC products to meet member needs and eligibility requirements.
• Initiate and guide members through a complete and compliant mortgage application within the Loan Origination System (LOS), following established policies and procedures.
• Obtain and analyze all documentation for completeness, accuracy, eligibility, and alignment with Westerra’s quality standards.
• Run initial automated underwriting (DU or LPA) and follow findings and/or company standards.
• Ensure all required disclosures and re‑disclosures are issued accurately and within regulatory timelines.
• Maintain detailed knowledge of agency guidelines, investor requirements, and Westerra loan programs and procedures.
• Adhere to all applicable regulations including TRID, HMDA, RESPA, Reg Z, Reg B, ECOA, SAFE Act, and Westerra lending policies.
• Document all communication with members, partners, and internal teams in the LOS and/or CRM according to policy.
• Maintain data…