Job Details

Join Our Team at MTC Federal Credit Union!

At MTC Federal Credit Union, we are dedicated to creating a better way forward for the communities we serve. We offer personalized financial solutions to foster lifelong relationships, and we are committed to our core values of accountability, respect, hard work, passion, and genuineness. We are currently seeking a dynamic Mortgage Loan Officer to join our team and help drive our mission forward.

About the Mortgage Manager Opportunity:

We are seeking an experienced Mortgage Manager to lead and scale a high-quality mortgage operation within a mission driven, member focused financial institution. This role is responsible for end-to-end mortgage and HELOC operationsensuring loans move efficiently, compliantly, and consistently from application through closing, funding, and delivery.

The ideal candidate is both a hands-on operator and a people leader who thrives in a growing environment and enjoys building structure, accountability, and strong teams.

What You'll Do:

Own and manage the full mortgage and HELOC lifecycle, from application through funding and final disposition.

Establish, monitor, and improve service standards including cycle times, conditions, clear to close, and funding timelines.

Lead structured operating routines such as pipeline reviews, exception tracking, and closing/funding calendars.

Deliver clear operational reporting on pipeline health, capacity, pull through, fallout, and quality trends.

Serve as business owner for the Loan Origination System (BYTE Pro and MeridianLink), including workflow design, controls, and data standards.

Underwrite HELOCs within delegated authority or prepare credit recommendations consistent with policy and regulation.

Partner with Compliance, Finance, IT, and vendors to maintain strong controls, audit readiness, and secondary market delivery.

Analyze QC findings and implement sustainable improvements that reduce defects and rework.

Lead, coach, and develop processors, closers, funders, and support staff through clear expectations, feedback, and cross training.

Drive continuous improvement initiatives that support operational scalability and an excellent member experience.

What We're Looking For:

5+ years of mortgage operations experience (processing, closing, and/or funding); 4 years leading teams preferred

Strong working knowledge of FNMA guidelines, mortgage documentation, and compliance fundamentals

Prior people leadership experience with a focus on coaching and accountability

Demonstrated experience administering or configuring a Loan Origination System (LOS)

Highly organized, detail oriented, and comfortable balancing quality with production demands

Continuous improvement mindset suited for a growing organization

NMLS License preferred

Why Join Us:

Mission driven culture focused on members, not transactions

Opportunity to shape processes and systems as the mortgage platform continues to grow

High impact leadership role with visibility across the organization

Collaborative environment that values doing things right, not just fast

Benefits & Perks:

• Competitive paid time off & holidays
• Vision insurance
• Dental insurance
• Health insurance
• Competitive 401(k) plan, matching & discretionary contribution
• Disability insurance
• Paid holidays
• Career advancement opportunity
• Competitive base pay and incentive plan
• And more!

About MTC Federal Credit Union: MTC Federal Credit Union is built on the principles of dedication and perseverance. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work, creating an environment where members and colleagues alike feel supported and inspired. Our core values guide our hiring and onboarding processes, team member recognition, and day-to-day decision-making.

Core Values:

• Accountability: We believe that accountability builds trust, which is the foundation of everything we do. Our team members embrace this value by delivering promises, seeking solutions, and taking the initiative when challenges arise
• Respect: Respect is at the heart of every interaction at MTC Federal. We value engaged listening and treating everyone with fairness and dignity, members, teammates, and community partners alike
• Hard Work: We work hard because we know our members work hardand they deserve a team that goes the extra mile. Hard work at MTC Federal isn't about clocking hours; it's about focus, follow-through, and a willingness to roll up our sleeves to get the job done
• Passion: Passion drives everything we do. We believe in bringing energy, enthusiasm, and genuine care to every aspect of our work
• Genuineness: Being genuine means bringing your authentic self to every interaction, every day. We pride ourselves on building meaningful connections with our members and each other through honesty, sincerity, and empathy

Disclaimer

This job description does not constitute an employment contract and does not include all duties or responsibilities. Management reserves the right to modify the position as business needs evolve.

Requirements

Responsible for complying with all laws, statutes, rules and regulations which govern credit unions, including but not limited to all components of the Bank Secrecy Act provisions of the US Patriot Act.

Must comply with all credit union policies and applicable laws and regulations; maintain confidentiality of member information.