Mortgage loan officer - member direct

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. You bring more than your expertise to your role, and that matters here. Your story, perspectives, and lived experiences help shape belonging at BECU and deepen how we connect with and support our employees, our members, and our communities.

PAY RANGE

The Target Pay Range is $24.35 - $30.12 hourly along with a variable incentive plan based on individual performance, including monthly and annual incentives. Total earnings potential is competitive with market benchmarks for similar roles. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications.

BENEFITS

– because people helping people starts with supporting you

• 401(k) Company Match (up to 3%)
• 4% annual contribution to your 401(k) by BECU
• Medical, Dental and Vision (family contributions as well)
• PTO Program + Exchange Program
• Tuition Reimbursement Program
• BECU Cares volunteer time off + donation match

IMPACT YOU’LL MAKE:

As a Mortgage Loan Officer – Member Direct 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 inbound 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:

• 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.
• 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.
• 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.

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

EEO Statement:

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.

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From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. With 90 years and over one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.