OPT Loan Officer Jobs
Loan Officer jobs on OPT are available at banks, credit unions, mortgage companies, and fintech lenders. Most roles require a finance, economics, or business degree, which aligns well with OPT eligibility. Your 12-month OPT window (or 24-month STEM extension if your degree qualifies) gives employers a real runway to evaluate sponsorship.
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Get Access To All JobsEmployment Type:
Regular
Employment Status:
Full-time with benefits
Job Category:
Mortgage
Average weekly hours:
40
FLSA Type:
Non-Exempt
Required Schedule Availability:
Mon - Fri: 8:30am-5:30pm
Work Location
This position will report onsite to the Bend-Old Mill and is possibly eligible for a hybrid onsite and remote work arrangement for those who meet the program requirements.
Compensation
- Base Salary:
- The full salary range for the Mortgage Loan Officer position is $20.00 to $30.00 per hour.
- Spanish-language differential: Candidates who pass the Spanish language assessment will be eligible to earn an additional $1-$2 per hour.
- Commissions: This position is eligible to earn commissions in addition to base salary. Commissions range from $0 - no max with the average Mortgage Loan Officer earning $9,500 per month over the past 18 months. We are making changes to future commission schedule that we anticipate increasing the average commissions earnings to $12,000 per month and ranging from being $10,000 to $15,000 per month.
- Incentives: This position is eligible for monthly incentives that range from $5.00 to $30.00, per sold product/service.
- Annual Incentive: In addition, all SELCO team members receive an annual incentive based on how well SELCO meets the prior year’s strategic business goals. This incentive is calculated using the team member’s prior year eligible earnings (commissions are NOT eligible earnings, but base pay is) and ranges from 0%-12% (with the average payout over the last five years being 11.07%).
Benefits
Our team’s well-being is a priority, and we’re proud to offer a comprehensive and holistic benefits package for team members and their families.
- Medical, dental, vision, long-term disability, and life insurance
- 401(k) retirement plan (with guaranteed employer contributions)
- Paid time off for personal and volunteer hours, as well as 10 paid holidays per year
- Additional programs and benefits include wellness and educational reimbursements, an employee assistance program, discounted rates on select SELCO services, and more.
Position Overview
Promote SELCO Mortgage and generate mortgage loan business.
SELCO Core Essential Functions
- Demonstrate adaptability and leadership skills, and uphold SELCO’s Mission Statement, Corporate Values, Service Promises and Exceptional Customer Service Standards.
- Adhere to federal and state regulations, SELCO policies, confidentiality requirements, and other compliance obligations.
- Interact with internal and external customers in a warm and friendly manner, demonstrate a sincere interest and willingness to help.
- Consistently achieve individual performance goals and contribute to department and organizational objectives.
- Represent SELCO with a high level of integrity and professionalism.
- Adapt to and support change to accomplish SELCO’s goals and objectives.
- Actively participate in and/or lead required meetings and trainings.
- Perform other duties as assigned.
Position-specific Essential Functions
- Interview mortgage loan applicants and review credit and other criteria to determine proper mortgage loan program.
- Respond and follow-up on mortgage inquiries in a timely manner.
- Assist mortgage applicants with loan application process.
- Ensure that each mortgage loan is processed in a timely and accurate manner from the initial interview to submission and through funding.
- Maintain and demonstrate thorough knowledge of mortgage loan program specific requirements.
- Develop mortgage loan business through seminars, contact with realtors, contractors, other institutions, and potential borrowers.
Skills and Abilities
The position requires:
- Exceptional customer service skills by using the GVAL-HI approach to providing service. Greet people. Value them. Ask how you can help. Listen. Help them. Invite them back.
- Ability to discover member needs to effectively cross-sell SELCO’s products and services.
- Effective communication and active listening skills through all methods of interaction (e.g., in person, via phone, and in writing).
- Strong computer and software skills, including Microsoft Office 365 applications.
- Strong knowledge of computer systems, including knowledge of systems as it applies to department usage.
- Strong interpersonal skills with the ability to work collaboratively with others.
- Excellent time management, prioritization, and organizational skills with a high level of initiative, accountability, and flexibility to adapt to changing business needs and deadlines.
- Strong problem resolution and problem prevention skills.
- Willingness and ability to receive, give, and apply coaching and feedback.
- Ability to work accurately with close attention to detail.
- Strong analytical skills and ability to use experience-related knowledge and good judgment to make sound, logical decisions.
- Ability to maintain confidentiality of sensitive information.
- Work ethic that includes dependability, punctuality, and a professional appearance and demeanor.
- Ability to perform and complete tasks despite background noise and interruptions.
Education and Experience
- High school diploma or equivalent; and
- Bachelor’s degree or equivalent experience; and
- At least two (2) years of experience in mortgage loan origination; and
- Must maintain minimum education and exam requirements in accordance with Department of Finance and Corporate Securities and Nationwide Mortgage Licensing System State Registration (this requirement may be waived at manager’s discretion for employee’s first ninety (90) days); and
- Must be bondable.
Physical Demands
While performing the job duties, approximately 90% of the time is spent stationary, with the remaining time spent moving around work areas. Frequent communication occurs in person, over the phone, and in writing. This position requires the ability to view a computer screen and interpret printed materials and other documents. This position requires the ability to lift and transport up to 5 pounds, and there is an occasional need to stoop, kneel, or reach to access documents, equipment, and supplies.
Interaction and Work Environment
Reports to: Director of SELCO Mortgage
Work areas are inside a climate-controlled environment with background noise.
Material and Equipment Used
Computer, phone, scanner, copier, fax machine, web camera, and general office supplies.
Acknowledgement
I have received and reviewed a copy of the Mortgage Loan Officer job description. I understand that this job description is not a contract of employment and in no way changes the at-will nature of the employment relationship with SELCO Community Credit Union.
Employment Type:
Regular
Employment Status:
Full-time with benefits
Job Category:
Mortgage
Average weekly hours:
40
FLSA Type:
Non-Exempt
Required Schedule Availability:
Mon - Fri: 8:30am-5:30pm
Work Location
This position will report onsite to the Bend-Old Mill and is possibly eligible for a hybrid onsite and remote work arrangement for those who meet the program requirements.
Compensation
- Base Salary:
- The full salary range for the Mortgage Loan Officer position is $20.00 to $30.00 per hour.
- Spanish-language differential: Candidates who pass the Spanish language assessment will be eligible to earn an additional $1-$2 per hour.
- Commissions: This position is eligible to earn commissions in addition to base salary. Commissions range from $0 - no max with the average Mortgage Loan Officer earning $9,500 per month over the past 18 months. We are making changes to future commission schedule that we anticipate increasing the average commissions earnings to $12,000 per month and ranging from being $10,000 to $15,000 per month.
- Incentives: This position is eligible for monthly incentives that range from $5.00 to $30.00, per sold product/service.
- Annual Incentive: In addition, all SELCO team members receive an annual incentive based on how well SELCO meets the prior year’s strategic business goals. This incentive is calculated using the team member’s prior year eligible earnings (commissions are NOT eligible earnings, but base pay is) and ranges from 0%-12% (with the average payout over the last five years being 11.07%).
Benefits
Our team’s well-being is a priority, and we’re proud to offer a comprehensive and holistic benefits package for team members and their families.
- Medical, dental, vision, long-term disability, and life insurance
- 401(k) retirement plan (with guaranteed employer contributions)
- Paid time off for personal and volunteer hours, as well as 10 paid holidays per year
- Additional programs and benefits include wellness and educational reimbursements, an employee assistance program, discounted rates on select SELCO services, and more.
Position Overview
Promote SELCO Mortgage and generate mortgage loan business.
SELCO Core Essential Functions
- Demonstrate adaptability and leadership skills, and uphold SELCO’s Mission Statement, Corporate Values, Service Promises and Exceptional Customer Service Standards.
- Adhere to federal and state regulations, SELCO policies, confidentiality requirements, and other compliance obligations.
- Interact with internal and external customers in a warm and friendly manner, demonstrate a sincere interest and willingness to help.
- Consistently achieve individual performance goals and contribute to department and organizational objectives.
- Represent SELCO with a high level of integrity and professionalism.
- Adapt to and support change to accomplish SELCO’s goals and objectives.
- Actively participate in and/or lead required meetings and trainings.
- Perform other duties as assigned.
Position-specific Essential Functions
- Interview mortgage loan applicants and review credit and other criteria to determine proper mortgage loan program.
- Respond and follow-up on mortgage inquiries in a timely manner.
- Assist mortgage applicants with loan application process.
- Ensure that each mortgage loan is processed in a timely and accurate manner from the initial interview to submission and through funding.
- Maintain and demonstrate thorough knowledge of mortgage loan program specific requirements.
- Develop mortgage loan business through seminars, contact with realtors, contractors, other institutions, and potential borrowers.
Skills and Abilities
The position requires:
- Exceptional customer service skills by using the GVAL-HI approach to providing service. Greet people. Value them. Ask how you can help. Listen. Help them. Invite them back.
- Ability to discover member needs to effectively cross-sell SELCO’s products and services.
- Effective communication and active listening skills through all methods of interaction (e.g., in person, via phone, and in writing).
- Strong computer and software skills, including Microsoft Office 365 applications.
- Strong knowledge of computer systems, including knowledge of systems as it applies to department usage.
- Strong interpersonal skills with the ability to work collaboratively with others.
- Excellent time management, prioritization, and organizational skills with a high level of initiative, accountability, and flexibility to adapt to changing business needs and deadlines.
- Strong problem resolution and problem prevention skills.
- Willingness and ability to receive, give, and apply coaching and feedback.
- Ability to work accurately with close attention to detail.
- Strong analytical skills and ability to use experience-related knowledge and good judgment to make sound, logical decisions.
- Ability to maintain confidentiality of sensitive information.
- Work ethic that includes dependability, punctuality, and a professional appearance and demeanor.
- Ability to perform and complete tasks despite background noise and interruptions.
Education and Experience
- High school diploma or equivalent; and
- Bachelor’s degree or equivalent experience; and
- At least two (2) years of experience in mortgage loan origination; and
- Must maintain minimum education and exam requirements in accordance with Department of Finance and Corporate Securities and Nationwide Mortgage Licensing System State Registration (this requirement may be waived at manager’s discretion for employee’s first ninety (90) days); and
- Must be bondable.
Physical Demands
While performing the job duties, approximately 90% of the time is spent stationary, with the remaining time spent moving around work areas. Frequent communication occurs in person, over the phone, and in writing. This position requires the ability to view a computer screen and interpret printed materials and other documents. This position requires the ability to lift and transport up to 5 pounds, and there is an occasional need to stoop, kneel, or reach to access documents, equipment, and supplies.
Interaction and Work Environment
Reports to: Director of SELCO Mortgage
Work areas are inside a climate-controlled environment with background noise.
Material and Equipment Used
Computer, phone, scanner, copier, fax machine, web camera, and general office supplies.
Acknowledgement
I have received and reviewed a copy of the Mortgage Loan Officer job description. I understand that this job description is not a contract of employment and in no way changes the at-will nature of the employment relationship with SELCO Community Credit Union.
See all 61+ OPT Loan Officer Jobs
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Get Access To All JobsTips for Finding OPT Sponsorship in Loan Officer
Target employers who already file H-1B petitions
Banks and financial institutions with dedicated compliance teams are far more likely to sponsor visas than small independent brokerages. Look for employers with a documented history of H-1B visa filings in the financial services sector before applying.
Pursue your NMLS license before interviewing
Most Loan Officer roles require a Mortgage Loan Originator license through NMLS. Completing the pre-licensing coursework and exam before your job search signals readiness and removes a common employer concern about onboarding timelines for OPT candidates.
Lead with your STEM OPT extension if your degree qualifies
Finance and economics degrees from STEM-designated programs qualify for the 24-month STEM OPT extension. Mentioning this upfront gives employers a 36-month total window, which meaningfully reduces urgency around the H-1B lottery timeline.
Frame your international background as a lending asset
Bilingual Loan Officers serving immigrant or non-English-speaking communities are in genuine demand. If you speak Mandarin, Hindi, Spanish, or another language, make that prominent in applications targeting community banks and credit unions with diverse borrower bases.
Apply to fintech lenders alongside traditional banks
Fintech companies originating mortgages or personal loans tend to have legal infrastructure already built for international hiring. They often move faster on sponsorship decisions than large traditional banks with slower HR processes and committee-based approval structures.
Be transparent about your OPT timeline early in conversations
Avoid surprises late in the hiring process. Disclosing your authorization end date during the second interview or after an offer creates friction. Employers who understand the timeline from the start are better positioned to plan sponsorship alongside your onboarding.
Loan Officer OPT: Frequently Asked Questions
Can I work as a Loan Officer on OPT?
Yes. Loan Officer roles qualify under OPT as long as your job is directly related to your degree field, typically finance, economics, business, or accounting. You must have a valid EAD card before starting work. If your degree program carries a STEM designation, you may also be eligible for the 24-month STEM OPT extension, giving you up to 36 months of total work authorization.
Do Loan Officer employers typically sponsor H-1B visas?
Sponsorship varies significantly by employer type. Large banks, national mortgage lenders, and established fintech companies with in-house legal teams are most likely to sponsor. Small independent brokerages and community lenders rarely do. Migrate Mate filters Loan Officer listings by sponsorship history, so you can focus your applications on employers who have actually filed H-1B petitions for this role category.
Does working as a Loan Officer on OPT count as qualifying employment for STEM extension?
It depends on your degree. If you graduated from a finance, quantitative economics, or data-focused business program that carries a STEM CIP code, your Loan Officer role may qualify for the 24-month STEM extension. You must confirm your degree program's designation with your DSO and file Form I-765 before your initial OPT expires. Not all business degrees are STEM-designated.
Do I need an NMLS license to work as a Loan Officer on OPT?
Most residential mortgage origination roles require an NMLS Mortgage Loan Originator license, which involves pre-licensing education, a federal exam, a background check, and state registration. OPT students can obtain NMLS licensure, but background check requirements vary by state. Commercial lending and loan analyst roles at banks sometimes do not require NMLS licensure, making them more accessible while you're still building credentials.
How should I track my OPT employment to stay in status as a Loan Officer?
SEVP requires that OPT employment be reported through your school's DSO within 10 days of starting a new job. Your Loan Officer role must be directly related to your degree and constitute at least 20 hours per week to count as qualifying employment. Keep records of your employment dates, employer name, and job duties. Your DSO updates your SEVIS record, and gaps in qualifying employment can affect your visa status.