Hybrid Mortgage Loan Officer; MLO

Hybrid Mortgage Loan Officer (MLO)

Reports To:

Sales Manager, Real Estate Lending

Job Summary

The Mortgage Loan Officer is responsible for generating residential mortgage production through a hybrid model that includes serving members within assigned Together Credit Union branches and independently self‑sourcing business through community engagement, networking, and referral partnerships. This role focuses on providing exceptional member service, financial guidance, and customized mortgage solutions while upholding the Credit Union’s mission of improving members’ financial well‑being.

This is a hybrid position based in St. Louis.

Job Responsibilities

• Provides information on mortgage loan products and organizational lending policies to members, relators, and other related parties.
• Requests necessary documentation to analyze member financial status, income, assets, property value, and purchase contract to determine feasibility of granting loans.
• Notifies applicants not qualified for further consideration and educates members on loan options.
• Negotiates rates, terms, conditions, and lock rates.
• Builds and maintains close relations with banking, home construction, real estate, and related industries to encourage referrals for mortgage loans.
• Maintains responsibility for current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/guidelines in conjunction with regulatory guidelines.
• Attends open houses, chamber of commerce meetings, trade shows, seminars, etc. to establish a strong professional network.
• Collaborates with processors to confirm status and outstanding conditions to ensure timely commitments and closings.
• Prepares reports related to loan origination and closing activities and sends closing disclosures to members based on regulatory guidelines.
• Maintains an understanding of industry compliance changes and completes necessary training on Nationwide Mortgage Licensing System (NMLS), secondary compliance, and other regulatory environments.
• Promotes and cross‑sells Credit Union products based on member needs.

Required Qualifications

• High school diploma.
• Minimum of 3 years of related professional experience.

Knowledge, Skills & Abilities (KSA’s)

• Strong interpersonal skills.
• Significant level of trust, credibility, and diplomacy.
• Ability to conduct in‑depth dialogues and provide explanations to customers, team members, and vendors.
• Ability to maintain strict confidentiality with sensitive information.
• Ability to motivate, influence, educate and/or advise others on matters of significance.
• Knowledge of Bank Secrecy Act (BSA), Patriot Act, and Office of Foreign Assets Control (OFAC).

Work Environment

• Hybrid remote and in‑office setting; general office environment when in‑office.
• Frequent travel outside of home office to meet referral sources and mortgage loan prospects.

Physical Abilities

• Ability to work at a computer in a stationary manner up to 8 hours daily.

Seniority Level

• Mid‑Senior level

Employment Type

• Full‑time

Job Function

• Finance and Sales

Equal Employment Opportunity Statement:
Together Credit Union is an Equal Opportunity employer. The Credit Union complies with federal, state, and local laws and provides equal employment opportunities regardless of race, color, religion, gender, age, sexual orientation, gender identity or expression, national origin, military or veteran status, disability (including pregnancy), genetic information, or any other protected status to all qualified applicants and employees. Together Credit Union is committed to a policy of non‑discrimination and dedicated to providing a positive discrimination‑free work environment.