Mortgage Loan Officer
Job Title: Mortgage Loan Officer Reports To: Loan Fund Director FLSA Status: Full Time,Non-Exempt NMLS Required: Yes Location: Remote Service Territory: Arizona Approved Date: October 19, 2026 Job Summary The Mortgage Loan Officer advances Native Community Capital's mission to expand access to affordable and sustainable homeownership. This position develops borrower and industry relationships, originates residential mortgage loans, evaluates applicants, recommends appropriate financing options, and guides borrowers from initial inquiry through closing. The Mortgage Loan Officer works with Native families and communities and must understand the land, title, infrastructure, documentation, and jurisdictional considerations associated with lending on tribal trust, allotted, restricted, and fee-simple lands. The position is responsible for meeting production goals while maintaining strong loan quality, fair-lending practices, timely communication, and a borrower-centered approach. In addition, the individual is expected to achieve monthly and quarterly production goals and maintain quality standards using established industry metrics, ensuring loans close on time and maintaining consistent communication and coordination to resolve issues that might otherwise delay loan closings. Essential Duties and Responsibilities ● Develop and maintain a pipeline of qualified mortgage applicants through community outreach, referrals, partnerships, workshops, and responsive follow-up. ● Conduct one-on-one consultations with clients to understand their financial goals and assess their eligibility for mortgage loans. ● Educate borrowers on loan options, eligibility standards, estimated costs, documentation requirements, and the mortgage process. ● Complete and take accurate residential mortgage loan applications and collect required borrower authorizations and supporting documentation, including income, assets, credit, and other necessary documentation. ● Analyze income, employment, assets, liabilities, credit, debt-to-income ratios, reserves, loan-to-value, and other qualifying information. ● Recommend appropriate loan products without steering and provide clear, accurate, and consistent information regarding rates, terms, fees, risks, and alternatives. ● Coordinate timely disclosures, notices, and other required communications in accordance with law, program guidance, and organizational procedures. ● Structure complete loan submissions for processing and underwriting, including a clear explanation of the loan profile. ● Evaluate loan products, rates, fees, and underwriting requirements offered by approved third-party lenders. ● Maintain accurate disclosures concerning NCC’s role as the mortgage broker, lender-paid or borrower-paid compensation, and third-party lender fees. ● Work closely with processors, underwriters, closers, title professionals, tribal agencies, federal agencies, real estate professionals, and other partners to resolve issues and meet closing deadlines. ● Maintain respectful communication with borrowers and document material conversations, decisions, conditions, and status updates in the loan origination system. ● Monitor pipeline activity, document expiration dates, rate-lock periods, milestone dates, approval conditions, and closing requirements. ● Achieve established monthly and quarterly application, pull-through, closing, volume, and quality goals while supporting responsible lending outcomes. ● Participate in homebuyer education, outreach events, partner meetings, case reviews, and program-improvement activities. ● Have the ability to handle multiple business models to support changing business needs ● Stay current on mortgage products, federal and state requirements, tribal lending processes, market conditions, and industry practices. ● Perform other duties consistent with the responsibilities of the position. Loan Programs Knowledge of the following loan products and programs: ● Brokered Conventional, FHA, VA, USDA, HUD 184 and other residential mortgage products offered through NCC-approved third-party wholesale lenders; Correspondent Lending; Native CDFI portfolio mortgage products. ● Down-payment and closing-cost assistance programs. ● State, federal, philanthropic, or grant-funded housing programs. Compliance and Quality Control ● Maintain an active Mortgage Loan Originator license and NMLS registration in each jurisdiction required for assigned duties. ● Comply with the Equal Credit Opportunity Act, Fair Housing Act, Fair Credit Reporting Act, Truth in Lending Act, Real Estate Settlement Procedures Act, SAFE Act, privacy requirements, and applicable consumer-protection laws. ● Follow fair-lending, anti-steering, loan-originator compensation, advertising, disclosure, licensing, record-retention, complaint-management, and information-security requirements. ● Follow Bank Secrecy Act, anti-money-laundering, identity-verification, sanctions-screening, fraud-prevention, and suspicious-activity escalation procedures, as applicable. ● Ensure representations to borrowers and partners are accurate, supportable, and within the scope of the Loan Officer's authority. ● Protect confidential borrower and organizational information and use approved systems and communication methods. ● Identify and promptly report suspected fraud, misrepresentation, conflicts of interest, unfair treatment, data-security incidents, or policy violations. ● Maintain complete and accurate application, pipeline, referral, outcome, and production records for management, compliance, and audit review. ● Participate in quality-control reviews, compliance monitoring, licensing requirements, continuing education, and corrective action, as applicable. Program and Organizational Support ● Maintain production reports. ● Participate in lending meetings, case reviews, training sessions, outreach activities, and program-improvement efforts. ● Support Native Community Capital’s mission and commitment to responsible lending. ● Perform other duties consistent with the responsibilities of the position. Licensing & Minimum Qualifications ● The employee must hold and maintain all licenses and registrations legally required for assigned duties; continued qualification is an essential function ● High school diploma or equivalent. ● At least five years of residential mortgage origination, mortgage lending, banking, credit union, or closely related financial-services experience. ● Active state Mortgage Loan Originator license and NMLS registration, and in good standing. ● Experience with brokering mortgage loans to third-party lenders. ● Working knowledge of mortgage qualification, credit analysis, income calculation, disclosures, title, appraisal, closing, and loan-origination procedures. ● Demonstrated ability to develop referral relationships and manage a mortgage pipeline from inquiry through closing. ● Strong sales, service, organization, problem-solving, and written and verbal communication skills. ● Ability to interpret loan program guidelines, policies, contracts, financial documents, and property records. ● Proficiency with Microsoft Office, electronic document systems, customer relationship tools, and loan origination software. ● Ability to work independently, meet deadlines, travel occasionally, and serve borrowers across rural and geographically dispersed communities. ● Ability to work respectfully and effectively with people from diverse cultural, economic, and geographic backgrounds. Preferred Qualifications ● Ten or more years of residential mortgage origination or lending experience. ● Experience with a Native CDFI, credit union, bank, or community-development organization. ● Demonstrated experience originating HUD Section 184 or other government-backed mortgage loans. ● Knowledge of tribal trust-land lending, homesite leases, title status reports, leasehold mortgages, tribal land and court processes, BIA and IHS requirements. ● Experience with down-payment assistance, construction, rehabilitation, manufactured-home, or portfolio mortgage programs. ● Experience providing homebuyer education or mortgage-readiness guidance. ● Established relationships within Native communities and the Southwest housing and lending network. ● Bachelor's degree in business, finance, real estate, community development, or a related field. Knowledge, Skills, and Abilities ● Advanced attention to detail. ● Collaboration and contribution to maintaining exceptional small team dynamics in a sales and production environment. ● Knowledge of responsible residential mortgage origination, underwriting. fundamentals, and secondary-market or portfolio requirements. ● Ability to build trust, listen carefully, and guide borrowers through complicated or extended transactions. ● Ability to explain mortgage requirements, costs, risks, and decisions in plain language. ● Sound judgment, attention to detail, ethical decision-making, and commitment to fair lending. ● Ability to balance production goals with loan quality, borrower suitability, and compliance. ● Ability to manage competing priorities and remain professional, patient, and solutions-oriented. ● Commitment to Native Community Capital's mission and to expanding homeownership opportunities in Native communities. Work Environment and Travel ● This is a remote position and requires reliable internet access and an appropriate confidential workspace. ● Regular virtual meetings and occasional in-person meetings, training, outreach events, or travel within NCC's service area is required. ● Work outside standard business hours may occasionally be necessary to meet borrower, community-event, or closing needs.
Compensation
Mortgage Loan Officer Annual Compensation Range: $70,000–$80,000 (Oct 1, 2026 to Sept 30, 2027) The employee must accurately record all time worked, including calls, email, application work, training, travel between work locations, and work outside the regular schedule. Overtime must be approved in advance, but all overtime worked will be paid. Off-the-clock work is prohibited. Beginning October 1, 2027, compensation may include a base wage and incentive compensation under a separate written plan. The plan will describe earning events, payment timing, adjustments, treatment at separation, and overtime and regular-rate calculations. Compensation will comply with minimum-wage, overtime, loan-originator compensation, and wage-payment requirements. Benefits: Competitive compensation Health, dental, and vision insurance Remote work environment Paid time off and holidays Professional development opportunities Collaborative and supportive work environment Equal Employment Opportunity Native Community Capital provides equal employment opportunities without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other status protected by applicable law. Reasonable accommodation is available during the application process and employment. To the extent permitted by applicable law, funding requirements, and organizational policy, preference may be provided to qualified Native American applicants. Any employment preference will be administered consistently with the organization’s governing documents and applicable legal requirements. Disclaimer This job description summarizes the primary duties and qualifications of the position. It does not create an employment contract or restrict the organization’s ability to assign or modify duties based on operational needs, program requirements, or available funding. Mathematical Skills Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations. Reasoning Ability Ability to define problems, collect data, establish facts and draw valid conclusions. Customer Service Skills Ability to manage interactions with clients in a positive and productive manner even when clients may be difficult or angry. Computer Skills Proficient in MS Office Products including Word, Excel, PowerPoint, Google G-Suite Products, use of internal e-mail system, and mortgage industry software. Driver’s License & Insurance Employee must retain proof of a valid driver’s license and automobile insurance coverage if driving is essential. Minimum liability limits shall be $100,000 bodily injury and $25,000 property damage coverage or such limits as deemed appropriate by the CEO. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and use hands to finger, handle, or feel. The employee frequently is required to reach with hands and arms. The employee is frequently required to talk and hear. The employee is occasionally required to stand and walk. Although this position is a remote position, the employee must be able travel, with or without reasonable accommodation, to planned events or meetings when necessary. Specific vision abilities required by this job include close vision, and ability to adjust focus.
Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Employment & Hiring Employment is at will unless modified by a written agreement signed by an authorized representative. We comply with Equal Employment Opportunity and Affirmative Action laws and regulations. This is not necessarily an exhaustive list of all responsibilities, skills, duties, requirements, efforts or working conditions associated with this job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job duties or require that other or different tasks be performed when circumstances change. Application Deadline: October 30, 2026 THIS JOB DESCRIPTION REPLACES ALL PREVIOUS JOB DESCRIPTIONS FOR THIS POSITION. Pay: $70,000.00 - $80,000.00 per year
Benefits
Health insurance Work from home Work Location: Remote