Senior Mortgage Loan Officer

Current • Baltimore, MD

2d • $25 - $36 • Onsite

About The Position

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

Requirements

• High School Diploma Required
• One (1) Year Accounting, Required
• 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.

Nice To Haves

• Bachelors Degree in Accounting, Preferred
• Bachelors degree in Business, Finance, or related field (or equivalent experience).
• 5-7 years of residential mortgage origination experience.
• Experience working within a credit union environment is a plus.
• Established referral network within Maryland and/or surrounding states markets.

Responsibilities

• Mortgage Origination & Production 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.
• Business Development & Community Presence 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
• Member Experience Excellence 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.
• Compliance & Risk Management 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.
• Team Collaboration & Leadership 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.
• Maintain strong pipeline management discipline.
• Achieve high member satisfaction scores.
• Maintain audit and compliance standards with minimal findings.
• Demonstrate community engagement and business development activity.

Benefits

• Medical, Dental, and Vision Coverage: Plans are available for both employees and their families to ensure comprehensive health coverage.
• 401(k) Plan with Employer Match: Secure your financial future with our competitive 401(k) plan, including an employer match to help you save more for retirement.
• Company-Paid Insurance: We provide company-paid short-term disability, long-term disability, and life insurance to give you peace of mind.
• Tuition Assistance: Continue your education and professional development with our tuition assistance program.
• Employee Assistance Program (EAP): Access confidential support for personal and professional challenges through our EAP.
• Parking Discounts: Enjoy discounted parking to make commuting easier.
• Long-Term Care Insurance: Prepare for the future with long-term care coverage options.
• Time Off: Take advantage of annual, sick leave, sick and safe leave to recharge and maintain a healthy work-life balance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED