Mortgage Loan Officer: Madison Area

University Of Wisconsin Credit Union Madison , WI 53706

Posted 2 months ago


The Mortgage Loan Officer originates loans by collecting and analyzing member information, determining appropriate mortgage products, advising customer of product advantages and disadvantages, initiating loan processing, and providing excellent member service while ensuring compliance with all regulatory and company policies and procedures. The Mortgage Loan Officer identifies and builds relationships to establish a continuous pool of new members.

The primary location of this position will be at our Northport Branch (1422 Northport Drive, Madison, WI.) with secondary coverage at our Corporate Office (3500 University Avenue, Madison, WI.).

The Mortgage Loan Officer must effectively carry out the essential duties of this position in a manner that consistently demonstrates the core values of the Organization in a positive manner.


  1. Originate and fund first mortgage loans while developing and maintaining quality partnerships with targeted groups and individuals.

a) Originate and fund first mortgage loans in support of annual volume goals established by management.

b) Effectively manage pipeline to assure pre-approvals are being worked and pipeline is kept up to date to show an accurate picture of book of business. Monitor application fall out and document why loan cancels, purge applications after credit has expired if not reactivated.

c) Identify and build relationships with target groups and individuals (realtors, builders, organizations, center of influence, FSBOs) by attending mortgage industry functions, maintaining high visibility among local housing/home finance professional and trade organizations, holding sales meetings and educational sessions, visiting open houses to offer finance sheets, establishing and maintaining referral sources, advertising in house organizations and realtor/builder/consumer productions, and distributing rate sheets to real estate agents.

d) Constantly seek new referral sources and industry contacts. Maintain contact with resources and updates them on mortgage product and program changes. Develop additional contacts through community involvement, professional organizations or local clubs, resulting in a strong community presence.

e) Is actively involved in industry presentations, seminars and trade shows.

f) Establishing and cultivating continual pool of new members by contacting target individuals with newsletters, cards, etc., producing and distributing informational flyers, continually setting member appointments, and calling on members daily.

g) Track referrals both received and given, between external contacts, internal sources and members. Thank referral partners and repeat members.

  1. Develop and Maintain Quality Member Relationships.

a) Leverage the mortgage relationship to provide members with an overview of other financial products and services available through UW Credit Union. Refer potential opportunities to retail sales and/or take the initiative to open accounts to support the growth of new checking accounts, credit cards, deposits, loans and FINIC leads. MLO must meet or exceed product/referral goal set by management.

b) Educate members about convenience service options such as online banking, telephone banking and ATM access.

c) Maintain a high degree of knowledge in all credit union programs, ensuring quality service and accuracy is delivered to UWCU members.

  1. Maintain Operational Standards and Quality Assurance (Quality)

a) Initiating loan application by accurately completing application, collecting fees, documenting loan package, and giving complete application package to processor.

b) Provide one-and-done mortgage loan service to members, including information gathering, assessing member needs, financial counseling, application completion and processing, inform member of ongoing process, and assist in the coordination of the mortgage closing.

c) Provide excellent member service by returning phone calls promptly, progress updates of files, remaining calm and understanding of people during processing of loan, contacting member at least 3 times to communicate time frames, programs and lock in policies, maintaining awareness and application of client's preferred method of communication, sending thank you immediately and asking for the next loan, or other financial products UWCU offers.

d) Ensure that all member requests are processed accurately and efficiently.

e) Display sound judgment in handling member requests and exceptions, seeking and documenting approval as needed.

f) Ensure that all loan applications are accurate, complete and an appropriate fit for the member. Consistently document member interactions and exceptions in loan software.

g) Take ownership for change. Analyze, justify and recommend change in operations to enhance productivity and improve service.

  1. Contributes to Activities that Promote Individual and Organizational Success

a) Arrive promptly and prepared for staff meetings and trainings. Assume ownership for securing information communicated during personal absence through the use of credit union resources.

b) Assume responsibility for personal development through training, collaboration and teamwork.

c) Take initiative to participate in organizational project, trainings and peer coaching.

d) Embrace change by anticipating and supporting corporate strategies and goals.

e) Demonstrate professionalism in dress, tone, flexibility, and communication.

f) Consistently act as part of a cohesive team, demonstrating excellent interpersonal skills and the ability to interact positively with other employees.

g) Performs other duties as assigned by management.


To perform this job successfully, an individual must demonstrate regular, predictable attendance and be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education And Experience:

  • Bachelors' Degree in Finance, Business, Marketing, Banking or a related field desired. Associate Degree in finance business, marketing, banking or a related field required.

  • One to two years mortgage lending experience desired.

  • Knowledge of real estate lending law, concepts and practices. Ability to interpret lending policies and procedures.

  • Knowledge of fundamental deposit and loan concepts and practices preferred.

  • Exceptional customer service skills.

  • Demonstrated analytical, accuracy, and problem-solving skills in a strong customer service environment.

  • Ability to process paperwork accurately and efficiently.

  • Proficiency with personal computer skills and office software.

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Mortgage Loan Officer: Madison Area

University Of Wisconsin Credit Union