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Rmlo Jobs (NOW HIRING)

IBC Bank

Mortgage Loan Originator

Laredo, TX

RMLO license highly preferred (NMLS registration required) * Knowledge of Conventional and Government Mortgage products * Knowledge of procession, underwriting, closing and funding of mortgage loans

IBC Bank

Mortgage Loan Originator

Oklahoma City, OK · On-site

RMLO license highly preferred (NMLS registration required) * Knowledge of Conventional and Government Mortgage products * Knowledge of procession, underwriting, closing and funding of mortgage loans

IBC Bank

Mortgage Loan Originator

Oklahoma City, OK

RMLO license highly preferred (NMLS registration required) * Knowledge of Conventional and Government Mortgage products * Knowledge of procession, underwriting, closing and funding of mortgage loans

IBC Bank

Mortgage Loan Originator

San Antonio, TX · On-site

RMLO license highly preferred (NMLS registration required) * Knowledge of Conventional and Government Mortgage products * Knowledge of procession, underwriting, closing and funding of mortgage loans

IBC Bank

Mortgage Loan Originator

Laredo, TX · On-site

RMLO license highly preferred (NMLS registration required) * Knowledge of Conventional and Government Mortgage products * Knowledge of procession, underwriting, closing and funding of mortgage loans

MyFlorida

FINANCIAL MANAGER I - 64080825

Tallahassee, FL

$50.58K - $72K/yr

Serves as the Division's Records Management Liaison Officer (RMLO). Process Development, Tracking, and Continuous Improvement: Assists in developing and implementing internal processes, workflows ...

BCU

Community Mortgage Loan Officer

Minneapolis, MN · On-site

$60K - $90K/yr

It will be imperative that the RMLO builds lasting relationships within the community and in the real estate community. ROLE AND RESPONSIBILITIES 1. Generate mortgage loans from the defined community ...

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$87.9K

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How much do rmlo jobs pay per year?

As of May 29, 2026, the average yearly pay for rmlo in the United States is $87,861.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,500.00 and $112,500.00 per year, depending on experience, location, and employer.

What is a Rmlo job?

An RMLO, or Residential Mortgage Loan Originator, is a professional who helps individuals secure home loans. They guide borrowers through the loan application process, assess creditworthiness, and recommend suitable mortgage products. RMLOs must comply with lending regulations, work with financial institutions, and ensure a smooth approval process. Licensing and state-specific requirements are typically needed to work in this role.

What are the key skills and qualifications needed to thrive in the Rmlo position, and why are they important?

To thrive as a Residential Mortgage Loan Originator (RMLO), you need comprehensive knowledge of mortgage lending practices, mortgage products, and federal/state lending regulations, typically supported by a NMLS license. Familiarity with loan origination software, credit analysis systems, and mortgage application platforms is crucial for efficiency and compliance. Excellent customer service, communication, and relationship-building skills enable you to guide clients through complex financial transactions. These abilities are vital for ensuring smooth loan processes, regulatory adherence, and client satisfaction in a competitive lending environment.

What does a typical day look like for an RMLO and how do they collaborate with other professionals?

A typical day for a Residential Mortgage Loan Originator (RMLO) involves meeting with prospective borrowers to discuss loan options, collecting and reviewing financial documentation, and processing mortgage loan applications. RMLOs also spend a significant amount of time communicating with underwriters, real estate agents, and escrow officers to ensure each loan moves smoothly through the approval and closing process. Strong collaboration with these professionals is essential to address any issues promptly and keep clients informed. Balancing client interactions with behind-the-scenes documentation and coordination is a key aspect of the role.
More about Rmlo jobs
What states have the most Rmlo jobs? States with the most job openings for Rmlo jobs include:
What job categories do people searching Rmlo jobs look for? The top searched job categories for Rmlo jobs are:
Rmlo jobs near you
Retail Mortgage Loan Officer (Arizona)

Retail Mortgage Loan Officer (Arizona)

Mountain America Credit Union

Phoenix, AZ • On-site

Full-time

Posted 17 days ago

Mountain America Credit Union rating

8.0

Company rating: 8.0 out of 10

Based on 48 frontline employees who took The Breakroom Quiz

76th of 138 rated financial services

Job description

Please reference the schedule and minimum qualifications listed below before applying.
If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.
Job Summary
The Retail Mortgage Loan Officer (RMLO) position proactively solicits new residential mortgage loans and sells CU mortgage products to meet established loan quality and production goals. At least 50% of the RMLO's time will be spent marketing outside the credit union . RMLOs are considered role models and will often be partnered with MLO I & MLO IIs to mentor and teach them.
Job Description
LOCATION
Phoenix McDowell Rd Branch:
302 E McDowell Rd
Phoenix, AZ 85004
SCHEDULE
Full Time
To be effective, an individual must be able to perform each job duty successfully.
  • Identifies, develops and maintains a network of outside business relationships, both existing and prospective, that will serve as a recurring source of referrals for new mortgage lending opportunities. This includes but is not limited to real estate agents, builders, personal and professional contacts.
  • Develops mortgage lending opportunities by being involved in the community to promote home ownership.
  • Responds to member inquiries and referrals that are generated from both their own referrals and from other CU business channels.
  • Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine financing objectives, gives advice to borrowers about product/pricing policies and guidelines, and gathers any additional required information.
  • Meets with members and prospective borrowers as necessary during the various stages of the lending process.
  • Utilizes CU training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both internal and external members and internal business partners.
  • Provides a complete and accurate loan application as part of a complete loan package
  • Ensures an exceptional member experience by overseeing loan process from origination to close and provides on-going communication to not only the borrower but each business partner in the transaction.
  • Achieves or exceeds production goals as established by Credit Union's Mortgage Department.
  • Determines borrower financing objectives and goals using AAA: Assess the correct loan options for the borrower based upon the member's present and future situation; Advises the member on the best mortgage programs and options; Assists the member along the path to homeownership.
  • Apprises member of pricing and CU lock-in policy and procedure; price and lock rates as required.
  • Identifies appropriate opportunities to sell additional products (see LO Handbook for referral requirements).
  • Completes mortgage application process via Blend and Encompass to include addresses, phone numbers, account numbers and any other information to complete the loan.
  • Runs a credit report and AUS; collects fees associated with the loan at the appropriate time; orders appraisals and title reports.
  • Collects supporting loan documentation as required and provides a complete loan package to Mortgage Loan Coordinators via Encompass.
  • Works with Mortgage Loan Coordinator to ensure that loan is submitted to Underwriting within 48 hours of a completed mortgage loan package.
  • Works with Loan Coordinators to ensure that all underwriting loan conditions are met.
  • Partners with Mortgage Loan Coordinator with ongoing communication to borrower regarding loan status.
  • Tracks REPC and lock deadlines to avoid costly extensions or loss of property and/or earnest money deposit and provides an extension prior to application if less than two weeks before settlement date.
  • Utilizes Encompass to add detailed loan notes throughout the loan process; checks for comments and conditions as the loan progresses; responds to changes in the loan file with necessary urgency.
  • Counsels members who are denied loans regarding their credit and achieving their credit goals
  • Attends and completes all Credit Union required training to include University classes on or prior to the due date.
  • Maintains current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.
  • Performs all job functions in accordance with Credit Union policies and procedures
  • Conducts and/or attends monthly regional meetings with MLO I's and II's within their region to gather feedback and reinforce information that has been disseminated by the mortgage department.
  • Participates in monthly mortgage department meetings and weekly branch M&Ms.
  • Performs other duties as assigned.

KNOWLEDGE, SKILLS, and ABILITIES
The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience
2 years professional experience in a progressive financial lending setting. Mortgage experience preferred.
Education
Minimum high school diploma or educational equivalent is required. A two-year college degree or completion of a specialized course of study at a business or trade school is preferred.
Licenses, Certifications, Registrations
Ability to obtain NMLS number. The Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E) Act requires all mortgage loan originators to register on a federal registry. Individuals employed by MACU that are not registered on the Nationwide Mortgage Licensing System and Registry (NMLS) are barred from originating mortgages.
Managerial Responsibility
No Managerial Responsibility
Computer/Office Equipment Skills
  • Intermediate to Advanced skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel (windows navigation, mouse/keyboard functionality),
  • Experience with analytical and reporting software preferred
  • Demonstrated experience with Encompass, Blend, Optimal Blue preferred
  • Must have the ability to type a minimum of 35-40 words per minute

Language Skills
  • Must have the ability to read and interpret documents such as tax returns, income statements, contracts and documents regarding real estate transactions, loan program guidelines, AUS findings and preliminary title reports.
  • Ability to write routine reports and correspondence.
  • Ability to speak effectively before groups of employees, members, or clients.
  • Attention to detail and outstanding customer service is critical to success.
  • Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustration.
  • Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization.

Other Skills and Abilities
  • Ensure exceptional member service by maintaining a thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.
  • Ability to work both autonomously and collaboratively in a fast-paced environment.
  • Ability to deal with problems involving several variables.
  • Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines
  • Adaptive to change, responds positively to altered circumstances or conditions
  • Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.
  • Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.
  • Excellent inter-personal skills including the ability to lead and collaborate with ad-hoc teams

PHYSICAL ABILITIES / WORKING CONDITIONS
Physical Demands
Ability to sit, talk and hear consistently
Ability to stand, walk, and use hands to handle or reach occasionally
Vision Requirements
Close vision (clear vision at 20 inches or less)
Distance vision (clear vision at 20 feet or more)
Weight Lifted or Force Exerted
Ability to lift up to 10 pounds occasionally
Environmental
There are no unusual environmental factors (such as a typical office)
Noise Environment
Moderate noise (business office with computers and printers, light traffic)
***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.***
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Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

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