Internal Mortgage Loan Officer at Canvas Credit Union

Lone Tree, Colorado, United States -

Full Time

Start Date

Immediate

Expiry Date

11 Jun, 26

Salary

150000.0

Posted On

13 Mar, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Origination, Loan Processing, Financial Needs Assessment, Credit Analysis, Investor Guidelines Adherence, Regulatory Compliance, HMDA, TRID, BSA, Encompass Proficiency, Blend Proficiency, Interest Rate Management, Loan Estimate Disclosure, Relationship Building, Sales, Customer Service

Industry

Financial Services

Description

ws [https://d2vppzocvtms05.cloudfront.net/media/2DE10BCC-8BF2-4FB2-85C472A010EA1FA3/47BF97C2-39E5-4CEA-95FA7516676A1D21/thul-49C34B5C-0D20-45F7-9E8DFF4B78A9BBD7.png] We’re Canvas Credit Union We’re passionate about transforming financial services. Our members, families, and the communities we call home motivate everything we do. As part of the credit union movement, we believe in providing our members with education, support, and guidance to build strong financial futures. Canvas "It's About More" Video - YouTube (Click here - or, visit https://www.youtube.com/watch?v=z8WAm_TDRdk ) [https://www.youtube.com/watch?v=z8WAm_TDRdk] Why Canvas? At Canvas, we’re dedicated to transforming financial services from the inside out. Our culture is a top priority and second to none. We strive to balance hard work and high achievement with a fun, supportive environment. b [https://d2vppzocvtms05.cloudfront.net/media/2DE10BCC-8BF2-4FB2-85C472A010EA1FA3/EEE06A28-15C7-4FF5-BFE75D369E259EB4/thul-DE176C0D-0582-4883-8E8C97B1FF0335F3.png] At Canvas, there are 5 behaviors we live by each day that will continue to help us be known for our heart and our people: Behaviors [https://image2url.com/images/1756258590638-ba99d3e0-180c-4b3e-8b75-b01d197f51bd.jpg] What’s In It For You This is the good stuff. Take a look at what sets Canvas apart from other financial institutions: * We have seriously good benefits! Beyond healthcare, dental, and life insurance, we have a pretty sweet package. Canvas employees get up to a 10% company contribution to their 401(k), generous personal time off, and an employee discount on loans (that includes cars and homes)! This position is commission-only with expanded incentive compensation opportunities. The listed pay range ($27,144.00-$150,000.00 - final pay rate will be based on skills, education, experience, and internal equity factors) is subject to additional income potential based on top performing production. Canvas benefits include: * * Medical/Dental/Vision Insurance * Paid Vacation * Paid Sick Time * Paid Holidays * Paid Wellness Day * Paid Volunteer Time * Flexible Spending Account * Health Savings Account * World Class 401(k) Plan * Tuition Reimbursement * Rate Discounts on Qualifying Loans * May be eligible for incentives or discretionary bonus based on results [https://www.cignaproducer.com/images/logo_healthy-workforce-designation_2024_gold.png] What you’ll do Essential Duties/Responsibilities * Consult with mortgage applicants to identify financial needs and offer solutions based on a review of income, credit report, collateral, assets and other relevant information. Request the appropriate documentation to make a qualified decision of approval or denial. Review and analyze information to determine if it meets investor guidelines. * Achieve monthly mortgage origination and closing goals. * Attend branch team meetings to coach branch staff on mortgage products and tips to identify mortgage referral opportunities. * Provide timely updates to branch staff regarding the status of mortgage referrals. * Maintain a high level of service, consistency and professionalism by delivering Canvas Core Values to both internal and external members at every touch. * Adhere to all applicable state and federal regulations, industry and Canvas standards, including but not limited to HMDA, TRID and BSA. Compliance with all aspects of these regulations is expected including delivery timelines and proper completion of all fields within the loan origination system. * Ensure that Encompass is the official system of record and member data is accurate and all documents received are uploaded to the Encompass eFolder, including all supporting documents and Blend compliance reports. * Manage all interest rate discussions with members, locking the rate in Encompass and providing corresponding disclosures to members. * Compile and submit complete and accurate loan applications to processing. * Responsible for timely Re-disclosure of Loan Estimate based on TRID regulations and document necessary fields in Encompass. * Return all phone calls and emails the same day. * Must provide timely and regular status updates to related third parties such as listing and buying real estate agents. * Resolve member issues in a timely, consistent and professional manner. * Attend all purchase closings or make arrangements for a Canvas mortgage representative to attend. * Follow-up with members after closing to identify additional needs or to answer questions. * Actively promote and contribute to the achievement of branch and organizational goals. * Identify cross-sell opportunities and educate members on credit union products and services. * Embrace ongoing education and learn/apply new skills and software applications. * Regular attendance and punctuality are essential functions of the job. * Perform other job duties as assigned. * This role at Canvas requires National Multistate Licensing System (NMLS) registration under the S.A.F.E. Act of 2008. This means we conduct background checks to ensure NMLS registration and Canvas requirements are met (Not meeting or staying current may result in removal from role). * Pre-employment background review (components include criminal, employment, address, social security number, motor vehicle record, global sanctions, and sex offender). Job Qualifications Knowledge, Skill and Ability: * Proficient knowledge of mortgage products, guidelines and pricing; stays abreast of loans, terms and credit options available. * Proficient knowledge of Secondary Market as well as federal and state guidelines including but not limited to RESPA, TRID, HMDA and MDIA guidelines * Excellent verbal, written and interpersonal communication skills with the ability to explain programs, loan terms, features, policies and benefits to customer and business partners. * Must obtain and maintain active NMLS registration under the S.A.F.E Act. * Strong relationship building and teamwork skills. * Strong attention to detail and excellent organizational skills; ability to manage multiple priorities * Demonstrated track record of success in sales and customer service. * Excellent analytical and problem-solving skills. * Solid knowledge and understanding of Canvas financial products and services. * Follow all safety and security guidelines to properly safeguard member and organization assets. * Comply with Bank Secrecy Act (BSA) and other compliance requests and requirements. * Must be proficient in MS Office (Outlook, Excel, Word), Encompass and Blend. * Must possess and maintain a valid drivers’ license and provide proof of insurance. * Multi-lingual capabilities to include Spanish are a plus. Education or Formal Training: High school diploma or GED. Two-year college degree or completion of a specialized course of study at a business or trade school is preferable. Experience: One to three years’ mortgage lending experience preferred. For Current Canvas Employees: To be considered, you must be meeting performance expectations, consistently demonstrating HEART behaviors, and must submit an up-to-date resume or update your Work History profile with your current responsibilities and accomplishments. h [https://d2vppzocvtms05.cloudfront.net/media/2DE10BCC-8BF2-4FB2-85C472A010EA1FA3/F2E52C44-6B97-4F81-A00C0EC8C8D7DEF7/thul-3140CC01-D1ED-475A-90F8C9A005259990.png] Working Environment/Physical Activities Must be able to work a flexible schedule Monday thru Sunday with ability to travel to all designated branches or member meeting locations for existing and prospective applicant inquiries and to attend meetings and events outside of regular business hours. Must possess reliable automobile to travel to multiple locations. Position offers remote access, but the loan officer is expected to meet with members in person as requested. The job routinely uses standard office equipment such as computers, phones, printers, copiers, fax machines and filing cabinets. The position requires manual dexterity, the ability to lift files and open filing cabinets. The position requires bending, stooping, or standing as necessary. Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Applications for this position will be accepted through March 17, 2026. For consideration, applications must be received by 5:00 PM MST on March 17, 2026.

Responsibilities

The role involves consulting with mortgage applicants to assess financial needs, offering appropriate loan solutions based on documentation review, and achieving monthly origination and closing goals. Responsibilities also include coaching branch staff on mortgage products, maintaining high service standards, and ensuring strict adherence to all applicable state and federal regulations.