Mortgage Lending Officer

Company Overview

Connexus Credit Union serves members across all 50 states as a member‑focused cooperative that returns profits to member‑owners through high yields on checking accounts and deposit products, and competitive rates on loans. We are a remote‑first employer, with the majority of employees residing in the upper Midwest, and we foster collaboration, high performance, and personal and professional development. We share our success with employees and those we serve.

Benefits

20 days of paid time off, 10 paid holidays, 16 hours of paid volunteer time off, 401(k) retirement with up to 6% employer match, excellent health, dental, vision insurance (multiple plan options), Health Savings Account with generous employer contributions, employer‑paid life insurance, short‑term and long‑term disability, tuition reimbursement of $4,000–$7,000 per calendar year, robust learning and development program including an annual professional development stipend.

About the Role

A Mortgage Lending Officer is responsible for guiding borrowers through the home financing process from initial inquiry to closing. They assess a borrower’s financial situation, recommend appropriate loan products, collect and review documentation, ensure all applications meet lending guidelines, and serve as the primary point of contact. They provide clear communication, manage expectations, and work closely with processors, credit analysts, and other partners to ensure a smooth, on‑time loan experience.

Key Responsibilities

• Interview, solicit, and assist members with mortgage requests.
• Describe mortgage products, terms, requirements, and repayment options, including non‑home equity products, to best meet members’ needs.
• Coordinate mortgage loans of high complexity, value, and risk.
• Work closely with members, borrowers, participants, realtors, correspondent lending partners, business partners, title agents, appraisal management companies, private mortgage insurance providers, and other related parties to efficiently process applications and originate timely and accurate mortgage transactions.
• Effectively underwrite and approve mortgage applications up to $350,000.
• Ensure members receive an exceptional experience through effective communication.
• Provide direction to lending support specialists and mortgage loan processors to complete necessary process activities, prepare accurate preliminary disclosures and final closing documents for all mortgage loan files.
• Assess and execute adequate pricing and sale of residential mortgage loans on the secondary market.
• Review, underwrite, recommend, approve or deny loan requests within established individual lending approval limits, and make a recommendation to management for requests outside program guidelines or limits.
• Maintain a high level of accuracy and quality of 97% or greater for loan files.
• Grow and foster relationships with members, borrowers, participants, realtors, correspondents, partners, title agents, appraisal managers, relocation departments, system providers, and others to generate increased mortgage volume and achieve production goals.
• Utilize each opportunity to generate increased mortgage volume and cross‑sell relationship products and services.
• Actively participate in real‑estate related educational opportunities.
• Proactively evaluate applicant eligibility for other credit union loans, products, services, and cross‑sell or refer to the appropriate department.
• Develop, implement, monitor, and review personal action plans to ensure production goals and fee income results are achieved, and review with the manager as needed.
• Contact members through email or telephone to increase mortgage business and originate loans to achieve personal and department production goals.
• Regularly and proactively communicate with members and borrowers, providing loan status updates and ensuring proper understanding of milestones.
• Engage directly with members via incoming calls, emails, and online banking to discuss loan titles and follow up as needed.
• Provide exceptional customer service in all interactions while achieving established efficiency goals.
• Ensure that all HMDA reportable information is documented correctly in the loan origination system.
• Adhere to all NCUA, CFPB regulations, including Regulation Z, Regulation B, TILA‑RESPA, ECOA, Fair Lending, Fair Housing, Wisconsin Consumer Act, HOEPA and HPML standards.
• Initiate mortgage process with members and potential borrowers of the Credit Union.
• Comply with all federal regulations pertaining to the position, including BSA and ATR.

Position Requirements

• Position is remote.
• Associates degree or commensurate experience is required.
• 1+ year of current Mortgage Lending Officer experience working in a financial institution is required.
• Prior sales experience is required.
• Currently holds an active NMLS Identifier Number.
• Proficient skills in Microsoft Suite applications, including Excel and Word.

Candidate Information and Eligibility

Remote employees must reside in one of the following states to be considered for any of our remote positions: FL, IL, IN, IA, MI, MN, MO, OH, TX, WI.

Candidate Information Guide – see the guide to learn how Connexus supports employees.

EEO Statement

Connexus Credit Union is an Equal Opportunity Employer / Disabled / Veterans / 41 CFR 60–1.4, 41 CFR 60‑1.35.