Westerra Credit Union · 10 hours ago
Mortgage Loan Officer - Denver Metro
Aurora, CO
Full-time
Hybrid
Mid Level
3+ years expWesterra Credit Union is a modern financial community committed to fostering a sense of belonging for both employees and members. The Retail Mortgage Loan Officer is responsible for generating mortgage production through proactive outside sales, developing referral relationships, and guiding applicants through the mortgage process to ensure exceptional member experiences.
BankingE-CommerceFinancial Services
Responsibilities
Develop, strengthen, and maintain referral relationships with external partners such as realtors, builders, financial advisors, and community organizations to grow self-generated mortgage production
Promote Westerra’s portfolio and secondary-market mortgage products through regular field visits, networking, community engagement, and relationship management
Develop, maintain, and deepen relationships with existing and new borrowers to drive referrals, repeat business, and overall production
Represent Westerra at community events and industry functions to increase brand visibility and business development opportunities
Achieve minimum production requirements of $800,000 or 3 closed-end mortgage units per month after the first six (6) months of employment
Act promptly and professionally on outbound calling lists and lead opportunities provided by Westerra
Support a small volume of inbound mortgage inquiries and convert these into high-quality applications
Partner with branch and contact center teams to ensure members receive timely and accurate mortgage guidance
Conduct thorough, consultative interviews with members and potential members to understand financial needs and recommend appropriate mortgage solutions
Evaluate and structure first mortgages, closed-end second mortgages, and HELOC products to meet member needs and eligibility requirements
Initiate and guide members through a complete and compliant mortgage application within the Loan Origination System (LOS), following established policies and procedures
Obtain and analyze all documentation for completeness, accuracy, eligibility, and alignment with Westerra’s quality standards
Run initial automated underwriting (DU or LPA) and follow findings and/or company standards
Ensure all required disclosures and re-disclosures are issued accurately and within regulatory timelines
Maintain detailed knowledge of agency guidelines, investor requirements, and Westerra loan programs and procedures
Adhere to all applicable regulations including TRID, HMDA, RESPA, Reg Z, Reg B, ECOA, SAFE Act, and Westerra lending policies
Document all communication with members, partners, and internal teams in the LOS and/or CRM according to policy
Maintain data integrity, member confidentiality, and compliance with all state, federal, and agency requirements
Communicate proactively and consistently with all parties involved in the loan process to maintain transparency and support timely closings
Participate in weekly file review sessions with processing to identify and resolve issues early
Provide support and collaboration to fellow MLOs and operational partners as needed
Complete weekly and monthly production reports and other required documentation as determined by the department
Maintain all required federal and state licenses and complete ongoing education as required by company, state, federal, and investor guidelines
Stay current on mortgage industry trends, product updates, system enhancements, and regulatory changes
Perform other duties as assigned
Qualification
Required
High school diploma or equivalent
Minimum three years mortgage lending experience
NMLS Registration
Existing referral network of realtors, builders, and community partners in the local market
Proven track record of self-generated production and maintaining strong referral partner relationships
Strong knowledge of mortgage products, agency guidelines (Fannie Mae/Freddie Mac), disclosures, TRID, and general regulatory requirements
Experience working in a Loan Origination System (LOS) and CRM-type platform
Valid driver's license and reliable transportation for external sales activities required
Strong consultative selling skills with the ability to identify member needs and recommend appropriate solutions
Comfortable conducting outside sales activities including partner visits, open houses, community events, and presentations
Excellent oral and written communication skills
Ability to interact well with others in a positive manner
Proficiency in understanding AUS findings (DU/LPA) and structuring mortgage loans
Ability to review financial statements, tax returns, income documentation, and credit reports
Solid computer skills with the ability to learn new systems, tools, and processes quickly
Deep understanding of mortgage regulations including TRID, HMDA, RESPA, ECOA, Reg B, Reg Z, and SAFE Act standards
Strong attention to detail with a focus on accuracy, data integrity, and quality documentation
Ability to manage complex files while maintaining compliance and service standards
Detail oriented with strong organizational and time management skills
Must maintain high level of confidentiality
Ability to influence timelines, expectations, and proactively negotiate within department
Highly self-driven with the ability to work independently in an outside-sales environment
Strong sense of ownership for production goals, lead follow-up, and personal performance
Preferred
Knowledge of portfolio lending, construction and renovation loans, or other specialty products preferred
Bilingual (Spanish/English or other language) helpful but not required
Benefits
Three health plans through UMR that offer a variety of coverage options, including HSA and FSA options
Two dental plans through Delta Dental
Basic life and AD&D insurance, short-term disability and long-term disability
20+ days of paid time off (PTO) per year
Anniversary time off that consists of 1+ days of paid leave for each anniversary year (PLAY)
16 hours of volunteer time off (VTO) per year
11+ paid holidays
401(k) that includes up to 6% match
Up to $5250 per year for educational reimbursement
4 weeks paid parental leave
Mental health resources including an Employee Assistance Program (EAP)
Home office reimbursement for hybrid/remote roles
Individualized learning and development programs
Company
Westerra Credit Union
westerracu offers wide variety of financial products and services to our members, and are known for our commitment to service excellence.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
John McCloy
President/Chief Executive Officer
Steven Schmidle
President & CEO
Recent News
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