Outside Mortgage Loan Officer - Base Commission

Company: Municipal Credit Union
Location: New York City
Posted on: February 16, 2026

Job Description:

Job Description Job Description About MCU: At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 600,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people. Our Mission: To help hard-working New Yorkers build better tomorrows Our Vision: Be New York's most loved financial institution by helping our members build their best financial futures Overview: This position is responsible for converting self-sourced leads optioned from networking and referrals from centers of influence (COI). In addition to self-sourced referrals this position will be responsible for converting leads that are referred by other MCU lines of business. This position is responsible for converting self-sourced leads received from outside referrals and at the branch into loans by promoting the credit unions’ real estate and consumer lending products, services, and programs. Interview members and prospects to obtain relevant information and evaluate applicants' financial status, review credit history, debt-to-income ratio, and appraisal reports, to determine and recommend an appropriate loan product. Ensure compliance with MCU loan policy, federal, state and NCUA rules, regulations and laws. Responsibilities : Specific duties include, but are not limited to, the following: 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. Counsels members on the reasons for denial and advises how to improve their financial position and credit score. Works with branch personnel to promote lending referrals and be a subject matter expert. Understands and demonstrates expert knowledge of products and services offered at Municipal Credit Union. Leverages relationship building skills to broaden the MCU membership, establish and maintain a network of realtors and attorneys that will provide referrals. Provide product education to membership through seminars and Business Development visits. Identify opportunities to offer additional products and services Be the subject matter expert on policies and procedures Recommend and develop efficiencies across the department Participate in ongoing training and development approved by HR and Management. Adhere to all regulatory compliance training inclusive of BSA/AML/OFAC and overall BSA/AML/OFAC compliance Perform other duties as required Travel is required Requirements : 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 Competencies : Excellent organizational, verbal and written communication skills High achiever and self-starter Is a team player and understands the role of meeting goals, both team and individual. Keenly aware of personal, team, departmental and company-wide goals and is able to prioritize work to achieve funding goals. Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines. Demonstrates persistence and overcomes obstacles to maintain above average closing ratios. Demonstrates an unsurpassed commitment to exceptional member service that ensures a world class experience for each member. Views situations from the member’s perspective to effectively respond to their needs and concerns; often going beyond the initial need or expressed concern of the member. Follows up to make sure the member’s expectations have been met or exceeded. Explains recommendations, products and services in ways members can easily understand. Demonstrates patience, respect and empathy when dealing with difficult members or their complaints. A motivated self-starter who measures self against standards of excellence. Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration. Takes calculated risks to accomplish goals. Actively supports member education events and seminars. Demonstrates responsibility for providing timely and accurate information, responses and decisions to internal and external members. Accurately and efficiently performs transactions and member requests. Willingly accepts and embraces constructive coaching and feedback as needed. Assesses own strengths and weaknesses. Schedules time off in advance and avoids unscheduled absences. Persuasive and confident. Uses clear and simple language to communicate information and decisions to internal and external members. Demonstrates sensitivity to cultural and gender differences. Demonstrates the ability to use technology to effectively and efficiently perform job functions. Has good working knowledge of the following applications: MS Outlook, MS Excel, MS Word, Meridian Link and all applicable applications. Actively participates in and completes all ongoing required loan and sales training. Willingly adapts to changes in work environment.] Why you'll be a good fit: Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you’ll bring the following Results - We are passionate about winning. Agility - We proactively anticipate, respond and pivot to ensure MCU wins. Integrity - We operate with the highest ethical standards and highest degree of honesty. Belonging - We cultivate a culture of inclusion and teamwork. Ownership - We take personal responsibility and hold ourselves accountable for the results. What we can offer you: Competitive compensation, medical and dental benefits. 401K with employer match Flexible paid time off Please note that the pay range provided is a good faith estimate for the position at the time of posting. Final compensation may vary based on factors including, but not limited to knowledge, skills and abilities, as well as geographic location. Incentives and/or benefits packages may vary depending on the position. Municipal Credit Union (MCU) is an Equal Opportunity Employer. Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by applicable federal, state or local laws. We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.

Keywords: Municipal Credit Union, Waterbury , Outside Mortgage Loan Officer - Base Commission, Accounting, Auditing , New York City, Connecticut