Senior Mortgage Loan Officer

MECU is a not-for-profit financial institution committed to helping its members and community by offering high-quality financial products and services.

MECU’s success in empowering our members to improve their financial well‑being and live better dates back to 1936. We seek service‑oriented professionals that will be champions for our members, treat everyone with respect find ways to assist our members/co‑workers and help our community be a better place to live.

WE NEVER COMPROMISE THE MEMBER EXPERIENCE - our goal is to provide the absolute best member experience in all interactions and is the number one factor that we use to differentiate ourselves from our competition.

The Senior Mortgage Loan Officer is responsible for originating high‑quality residential mortgage loans and home equity loans while maintaining strict compliance with federal, state, and credit union regulatory standards.

This role requires a strong producer who can generate new business through external referral networks, provide consultative guidance to members, ensure regulatory compliance (NCUA, CFPB, FNMA/FHLMC, FHA/VA/USDA as applicable), and partner internally to deliver a seamless, efficient loan process.

This position is located at Corporate Headquarters in Downtown Baltimore. Incumbent will be required to report in office for this role. Upon completion of 90 days incumbent may work hybrid schedule.

• High School Diploma – Required
• General Education Degree (GED) – in lieu of H.S. Diploma

• One (1) Year – Accounting, Required
• Bachelor’s Degree in Accounting, Preferred

• Bachelor’s degree in Business, Finance, or related field (or equivalent experience).
• 5-7 years of residential mortgage origination experience.
• Active NMLS registration and Maryland licensing required.
• Strong knowledge of underwriting guidelines and secondary market standards.
• Excellent communication and presentation skills.
• Proficiency in mortgage LOS systems and Microsoft Office Suite.
• Must be a self‑starter with strong organizational skills.
• Experience working within a credit union environment is a plus.
• Established referral network within Maryland and/or surrounding states markets.

• Originate conventional, FHA, VA, USDA, jumbo, and portfolio mortgage products (as applicable).
• Develop and maintain a consistent pipeline of qualified mortgage applications.
• Analyze credit, income, assets, and collateral to structure appropriate loan solutions.
• Provide timely pre‑approvals and accurate Loan Estimates in compliance with TRID requirements.
• Meet or exceed established monthly and annual production goals.
• Maintain high pull‑through and low fallout ratios.

• Build and sustain referral relationships with real estate agents, builders, financial planners, attorneys, and community organizations.
• Attend open houses, networking events, and community functions.
• Partner with Marketing to promote mortgage products and outreach initiatives. Maintain visibility within Maryland and/or surrounding states real estate markets

• Serve as a trusted mortgage advisor throughout the home financing journey.
• Clearly explain rates, terms, closing costs, and product comparisons.
• Provide proactive communication from application through closing.
• Deliver exceptional service resulting in strong member satisfaction and referral business.

• Ensure adherence to NCUA, CFPB, TRID, HMDA, Fair Lending, SAFE Act, and NMLS requirements.
• Maintain accurate and complete loan documentation.
• Monitor quality control feedback and implement corrective actions.
• Stay informed on regulatory changes and industry trends.
• Work closely with processors, underwriters, closers, correspondent lenders, investors, and secondary marketing.
• Mentor mortgage loan officers and share best practices, as needed.
• Contribute to process improvements and operational efficiency initiatives.
• Participate in department strategy meetings and assist in making efficiencies throughout the department.
• Achieve high member satisfaction scores.
• Maintain audit…