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 are proud of our history, we are even more excited about our future. With business and technology transformation on the horizon, there has 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 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 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 will 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 will 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. The hours for this role are Monday – Friday, 9:30 AM – 6:30 PM PT, with an occasional Saturday 9 AM – 1 PM PT on rotation. 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 the team and organizational success. 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. Be 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. 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. Compliance 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. Your journey of influence, innovation, and impactful contribution starts now. 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. #J-18808-Ljbffr