Mortgage Banker

Minnesota Bankers Association; Monticello (MN); On-site; USD 45,460 - 67,502; Full time

Benefits offered by this job

401(k) with generous company match

Paid Time Off

Employer paid life insurance

Volunteer Time Off

HSA with employer contribution

Job summary

A community bank in Monticello, MN, is seeking a Mortgage Banker to originate residential mortgage loans and build relationships with clients. The role requires strong communication and sales skills, along with 2-5 years of mortgage origination experience. The ideal candidate will be committed to exceptional customer service and compliance with banking regulations. This position offers competitive pay and benefits.

Qualifications

• Requires NMLS registration under the S.A.F.E. Act.
• 2-5 years of experience in mortgage origination preferred.
• In-depth knowledge of mortgage loan products including FHA and VA loans.

Responsibilities

• Originate a high volume of residential mortgage loans.
• Develop a referral network with real estate professionals.
• Manage client interactions and ensure a smooth loan process.

Skills

Communication Skills

Sales Skills

Negotiation Skills

Customer Service

Independent Work

Education

Bachelor's degree in a related field or an associate's degree in business

Job description

Mortgage Banker

National Bank of Commerce (WI/MN)

1421 E 7th St, Monticello, MN 55362

Job Description

Job Opening: Mortgage Banker - Monticello, MN

Job Type: Full-Time, Non-Exempt

Pay Range: $33-$49 Hourly, Plus Performance-Based Incentive Compensation

Additional Opening in Bemidji, MN - Relocation to Bemidji Required

Job Opening: Mortgage Banker - Bemidji, MN

Job Type: Full-Time, Non-Exempt

Pay Range: $30-$45 Hourly, Plus Performance-Based Incentive Compensation

At NBC, the Mortgage Banker is responsible for originating a high volume of residential mortgage loans by developing and maintaining strong relationships with clients, realtors, builders, and other referral sources. This role requires an in-depth knowledge of mortgage products, a commitment to exceptional customer service, and the ability to guide borrowers through the entire loan process from application to closing. This position primarily deals with direct, single‑family loans, but the Banker should also be versed in other bank products such as home equity loans.

Key Responsibilities

• Loan Origination & Business Development: Actively seek out and develop new mortgage lending opportunities. This includes spending significant time on community involvement and outside sales activities.
• Referral Networking: Build and maintain a referral network with real estate professionals, financial planners, and other industry contacts.
• Client Management: Interview loan applicants to determine their financial needs and objectives. Analyze financial data, credit reports, and other information to recommend the most suitable loan products.
• Customer Service: Act as the primary point of contact for borrowers, ensuring they are informed and supported throughout the loan process. Address any questions or concerns in a timely and professional manner.
• Collaboration: Work closely with the underwriting and processing teams to ensure a smooth and efficient loan process.
• Compliance & Documentation: Gather and review all necessary documentation to ensure loan files are complete and compliant with federal regulations and bank policies. Ensure compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations.

Compensation and Benefits

• Competitive hourly base + incentive pay structure
• Local onboarding support
• 401(k) with generous company match
• Volunteer Time Off
• Paid Time Off
• Paid Holidays + Floating Holidays
• Employer paid dental health reimbursement
• HSA with employer contribution
• Employer paid Life Insurance
• Annual Health & Wellness incentive
• Annual NBC branded clothing allowance
• Employee Assistance Program

Qualifications

Qualifications, required:

• Requires National Mortgage Licensing Systems (NMLS) registration under the S.A.F.E. Act.
• Broad knowledge of real estate lending techniques and practices.
• A minimum of 2-5 years of experience in mortgage origination is preferred.
• In-depth knowledge of mortgage loan products, including conventional, FHA, VA, and construction loans.
• Strong communication, sales, and negotiation skills.
• A proven track record of meeting or exceeding sales goals.
• The ability to work independently and manage a pipeline efficiently.
• Patience, tact, and professionalism in dealing with customers, co‑workers, and business contacts.
• Commitment to exhibiting NBC core values: Respect, Integrity, Teamwork, and Accountability.

Qualifications, preferred:

• Bachelor's degree in a related field, or an associate's degree in business or a combination of experience and education.
• Existing network of professional referral sources in the local market.
• Familiarity with loan policies, credit culture, and NBC's products and services.
• Bilingual in English and Spanish is preferred but not required.

About Us

National Bank of Commerce (NBC) is a community bank committed to providing exceptional service and building strong, lasting relationships with our customers. We are looking for a highly motivated and results‑driven Mortgage Banker to join our teams in Monticello, MN and Bemidji, MN. The ideal candidates are self‑starters passionate about helping people achieve homeownership goals and contributing to the bank's growth.

National Bank of Commerce is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability status, protected veteran status, or any other characteristic protected by law. NBC will comply with all federal and state laws concerning the application and employment of people with disabilities.

How to Apply

Please apply at the links below:

Mortgage Banker in Monticello, MN: https://www.paycomonline.net/v4/ats/web.php/jobs/ViewJobDetails?job=306960&clientkey=A9E4F65D1AB6D16A45C7AE6AC78CC82F

Mortgage Banker in Bemidji, MN: https://www.paycomonline.net/v4/ats/web.php/jobs/ViewJobDetails?job=306933&clientkey=A9E4F65D1AB6D16A45C7AE6AC78CC82F

To view all open positions, visit our website at nbcbanking.com. From there, you'll click on the "About" section, then "Careers", then "Join our Team".

MBA Job number/Date Added: H-8067: 11/7/25