Mortgage Loan Officer

Municipal Credit Union

Outside Mortgage Loan Officer responsible for converting leads into loans at Municipal Credit Union. Handle self-sourced and referral leads to promote lending products.

Posted 7/11/2026full-timeNew York City • New York • 🇺🇸 United StatesJuniorMid-Level💰 $0 - $35,500 per yearWebsite

About the role

Key responsibilities & impact

Responsible for converting self-sourced leads optioned from networking and referrals from centers of influence (COI)
Interview members and prospects to obtain relevant information and evaluate applicants' financial status, review credit history, debt-to-income ratio, and appraisal reports
Ensure compliance with MCU loan policy, federal, state and NCUA rules, regulations and laws
Pre-qualify prospective borrowers, prepare preliminary Loan Estimate (LE), initial disclosures, amended disclosures and Rate Lock agreement in compliance with RESPA
Review the sales contract, income, assets and debt information to ensure applicants meet MCU’s minimum standard guidelines
Manage pipeline and issue prequalification certificates
Counsel members on the reasons for denial and advise on improving their financial position and credit score

Requirements

What you’ll need

College degree preferred or equivalent work experience
Minimum 2 years in experience in real estate lending
Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail
Technologically proficient
NMLS will be required

Benefits

Comp & perks

Medical, vision, dental, life, and disability insurance
Flexible paid time off
11 paid holidays annually
401(k) with an 6% employer match per pay period

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Financial EvaluationCredit History ReviewDebt-to-Income Ratio AnalysisLoan Estimate PreparationRESPA Compliance

Soft Skills

Attention to DetailCounseling SkillsHigh-Volume Performance

Certifications

NMLS Certification