V-Mortgage Loan Officer

Join Us in Making an Impact ✨

At OneAZ Credit Union, our success is measured only by yours. We’re here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters—you've found it!

You’re impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well‑being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let’s build something great together.

📍 This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027

A Virtual Mortgage Loan Officer (VMLO) acts as an ambassador within their communities on behalf of OneAZ Credit Union. They assist members with their mortgage needs by taking inbound calls, working inbound member emails, chat inquiries, web, and other leads. Responsibilities also include conducting outbound calls and in-person meetings when needed with potential referral sources such as real estate agents and builders, in order to generate self‑sourced business.

VMLO's will also conduct professional phone interviews, always striving to exceed member expectations with a goal to deliver a high‑quality experience. Responsible for interviewing applicants for real estate loans and originating applications consistent with credit union policies, all applicable Real Estate‑specific NCUA, federal, wholesale and secondary market real estate lending rules and regulations. A VMLO also collects initial loan information and documentation, and analyzes loan applicants' credit history, income and assets.

Requires the ability to liaison between multiple Real Estate Lending teams, branches and branch associates, members, and credit union departments.

• Effectively responds to inbound mortgage calls, email inquiries and web leads to originate mortgage loans, following up in a timely manner and working within a fast‑paced environment.
• Proactively contacts external business partners such as real estate agents and other potential referral sources/opportunities, and potential members to generate new business.
• Responsible for taking inbound calls, conducting outbound calls, and meeting in‑person with referral sources.
• Delivers a quality, professional, and thorough experience through telephone and email channels.
• Interviews applicants and requests specified information for loan application.
• Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
• Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms.
• Required to accurately and effectively use multiple computer programs in completing work including the Loan Origination System, MS Word, MS, Excel, MS Windows, and other Job‑related computer programs as required.
• Adheres to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines.
• Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
• Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.
• Promotes and cross‑sells other establishment products and services as appropriate to member requirements.
• Actively participates in scheduled call nights, call blocks, to conduct outbound calls to centers of influence, new members, and potential members.
• Completes regular educational and compliance courses to stay abreast of internal and industry changes.
• Develops relationships with outside community professionals, real estate agents, builders, internal business partners, other industry related…