Mortgage Officer

Job Type: Full-time

Location: Remote-first with local community presence

Schedule: Monday through Friday, with flexibility to manage schedule based on business and member needs

This position is remote-first and externally focused. Employees are expected to maintain an active presence in the communities INOVA serves through relationship building, networking, member meetings, referral partner meetings, and other business development activities.

Job Description

INOVA Federal Credit Union is seeking an experienced, relationship-focused, and results-driven Mortgage Loan Officer to help grow our mortgage lending presence and expand homeownership opportunities for our members.

This position is an excellent opportunity for an established mortgage professional who understands the mortgage industry, has experience generating business, and has developed strong relationships within the local real estate and lending community.

The Mortgage Loan Officer plays an important role in improving the financial well-being of our members by helping individuals and families achieve their homeownership goals through personalized mortgage solutions and exceptional service.

This role is ideal for someone who enjoys building relationships, developing business, networking in the community, and guiding borrowers through the homebuying process.

The Mortgage Loan Officer will have the flexibility to work remotely while maintaining a strong presence in the communities INOVA serves. Whether meeting with a real estate agent, attending a networking event, visiting a builder, meeting with a prospective borrower, or closing a loan virtually or at an INOVA branch, this position provides the autonomy to manage relationships, business development activities, and day-to-day responsibilities.

About Us

INOVA Federal Credit Union is committed to improving the financial well-being of our members through exceptional service, innovative financial solutions, and meaningful community involvement. Our employees are passionate about making a difference every day while fostering a workplace built on collaboration, integrity, innovation, and continuous growth.

As a growing mortgage lending organization, INOVA is looking for an experienced mortgage professional who can help expand our presence in the communities we serve while providing members with a personalized and relationship-focused lending experience.

If you're looking for an opportunity to leverage your mortgage experience, grow your network, and make a meaningful impact on the homeownership journey of our members, we'd love to meet you.

Essential Duties & Responsibilities

• Generate mortgage business through established relationships, referrals, networking, community involvement, and proactive business development.
• Develop and maintain strong relationships with real estate agents, builders, developers, financial professionals, community organizations, past clients, and other referral partners.
• Leverage existing industry and community relationships while continuously identifying new opportunities to grow mortgage business.
• Represent INOVA throughout the communities we serve through networking events, open houses, community events, professional organizations, and other relationship-building opportunities.
• Meet with prospective borrowers to understand their homeownership goals, financial needs, and lending objectives.
• Recommend appropriate mortgage products and lending solutions based on each borrower's individual circumstances and goals.
• Guide borrowers through the mortgage process from initial application through closing while providing responsive, personalized service.
• Take mortgage loan applications and collect required borrower information and documentation.
• Educate borrowers on mortgage products, loan terms, rates, fees, documentation, and the overall lending process.
• Maintain an active and organized mortgage pipeline and proactively communicate with borrowers and referral partners throughout the loan process.
• Coordinate with internal lending, processing, underwriting, closing, and other support teams to move loans efficiently toward closing.
• Build lasting relationships with borrowers and referral partners that encourage repeat and referral business.
• Maintain a strong understanding of mortgage products, lending guidelines, market conditions, and applicable laws and regulations.
• Stay informed of changes in mortgage lending practices, products, regulations, and market conditions.
• Represent INOVA professionally and promote awareness of our mortgage products and services throughout the communities we serve.
• Take ownership of business development activities, pipeline management, follow-up, scheduling, and relationship management.
• Utilize INOVA's technology, branch locations, lending resources, and internal support teams to provide an exceptional borrower experience.
• Maintain accurate records and documentation while following all credit union policies, procedures, and regulatory requirements.
• Complete additional responsibilities and special projects as assigned.

Desired Skills & Experience

The ideal candidate is an experienced mortgage professional who knows how to build relationships, generate business, and manage a mortgage pipeline.

We're looking for someone who has:

• Previous experience as a Mortgage Loan Officer, Mortgage Originator, Mortgage Banker, or similar mortgage lending role.
• Demonstrated experience generating mortgage business through referrals, networking, relationship building, and business development.
• An established network of real estate professionals, builders, developers, financial professionals, referral partners, and/or past clients.
• A proven track record of building and maintaining a mortgage pipeline.
• Strong understanding of mortgage products, lending processes, underwriting requirements, and applicable regulations.
• Strong knowledge of the local real estate and housing market.
• Excellent communication, relationship-building, sales, and customer service skills.
• Strong negotiation, problem-solving, and critical-thinking abilities.
• Ability to develop and maintain long-term professional relationships.
• Strong organizational skills and attention to detail.
• Ability to manage multiple borrowers, referral partners, deadlines, and priorities while maintaining a high level of service.
• Ability to work independently and effectively manage a remote-first work environment.
• Self-directed approach with the ability to manage business development activities, pipeline follow-up, scheduling, and daily priorities.
• Professional presence and confidence when interacting with borrowers, real estate professionals, builders, and community partners.
• Genuine interest in helping individuals and families achieve their homeownership goals.
• Ability to travel throughout the communities INOVA serves for meetings, networking, business development, and other relationship-building activities.
• Appropriate licensing and registration required to originate mortgage loans, or the ability to obtain and maintain required licensing.

Position Details

This is a full-time, remote-first Mortgage Loan Officer position with a strong focus on external relationship building and business development.

The Mortgage Loan Officer will have flexibility to work remotely while maintaining an active presence in the communities INOVA serves.

The position may include:

• Working from home and managing daily business activities remotely.
• Meeting with borrowers virtually or in person.
• Meeting with real estate agents, builders, developers, and referral partners.
• Utilizing INOVA branch locations for borrower meetings, appointments, and closings when appropriate.
• Attending networking events, open houses, community events, and professional organizations.
• Traveling throughout the local market to develop and maintain relationships.
• Working closely with internal lending, processing, underwriting, closing, and branch teams.

This position is designed for a mortgage professional who is comfortable managing their own schedule, developing business, maintaining an active pipeline, and building relationships throughout the community.

The Mortgage Loan Officer will have access to the resources and support of an established financial institution while maintaining the autonomy and external focus of a business development role.

Remote Flexibility. Local Presence.

This position provides flexibility without removing the importance of being connected to the community.

The Mortgage Loan Officer may work remotely while meeting borrowers and referral partners where it makes the most sense.

One day may include a virtual borrower meeting, followed by coffee with a local real estate agent and an evening networking event. Another day may involve working from home on a mortgage pipeline before meeting with a prospective homebuyer at an INOVA branch.

The goal is to provide the flexibility needed to manage the business while maintaining the relationships and community presence that drive mortgage growth.

Why Join INOVA?

At INOVA, you'll have the opportunity to help grow our mortgage lending presence while making a direct impact on the financial well-being of our members.

We offer:

• Remote-first flexibility with the ability to manage your schedule and workday.
• The opportunity to build and grow your own mortgage business.
• The ability to leverage your existing mortgage relationships and community network.
• Access to INOVA branch locations for member meetings, appointments, and closings.
• Support from an established financial institution and internal lending teams.
• The opportunity to help shape and grow INOVA's mortgage lending initiative.
• A relationship-focused culture centered on improving members' financial well-being.
• Professional development and career growth opportunities.
• The opportunity to make a meaningful impact on members and the communities we serve.

If you're an experienced mortgage professional who enjoys building relationships, generating business, being active in the community, and helping people achieve homeownership, we encourage you to apply.

Work Authorization & Equal Opportunity Employer

Applicants must be legally authorized to work in the United States.

INOVA Federal Credit Union is an Equal Opportunity Employer and is committed to creating an inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, genetic information, or any other protected characteristic under applicable federal, state, or local law.

As part of joining our team, employees are expected to maintain eligibility for membership with the credit union, including opening and maintaining the required membership savings account.

Qualifications

This role requires the following related education or equivalent combination of experience and training.

• 2 Years related experience
• No major required
• High school diploma

Certificates/Licenses

• NMLS License

Training Requirements

• Annual Compliance Requirements

INOVA Federal Credit Union promotes an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified disabled applicants and employees.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) in this position. Employee(s) will be required to follow any other job-related instructions and to perform any other job-related duties as requested by any person authorized to give instructions or assignments. Duties, responsibilities and expectations may be added, deleted; or changed at any time at management's discretion and this job description does not create an employment contract, implied or otherwise, other than an employment-at-will relationship.