Mortgage Loan Officer

Minnesota Bankers Association; Byron (MN); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Health insurance

401(k) matching

Paid time off

Health savings account

Dental insurance

Life insurance

Employee assistance program

Disability insurance

Volunteer time off

Paid holidays

Job summary

Minnesota Bankers Association in Byron, Minnesota, seeks a mortgage loan originator to guide borrowers through the lending process. The ideal candidate will have at least 5 years of mortgage loan origination experience, excellent communication skills, and a strong understanding of consumer regulations. Responsibilities include maintaining customer relationships, assisting with loan applications, and ensuring compliance with federal lending laws. Benefits include health insurance, 401(k) matching, and paid time off.

Qualifications

• 5+ years of mortgage loan origination/sales experience required.
• Active NMLS registration or ability to obtain it under the S.A.F.E. Act.

Responsibilities

• Serve as the primary contact for customers throughout the loan process.
• Assist borrowers in selecting loan programs and completing applications.
• Gather and review documentation for loan processing.
• Conduct preliminary underwriting review and credit analysis.
• Generate new loan opportunities through networking and outreach.

Skills

Strong relationship-building and communication skills

Knowledge of consumer regulations

Ability to analyze financial information

Discretion and confidentiality

Proficiency in Microsoft Outlook, Word, and Excel

Education

High School Diploma or equivalent

Associate’s degree in business or finance

Job description

Position Overview

In this role, you will originate mortgage and home equity loans by building relationships, identifying customer needs, and guiding borrowers through the lending process from application to closing. You’ll serve as the primary point of contact and play a key role in growing our lending portfolio.

What You’ll Do

• Serve as the primary contact for customers throughout the loan process
• Assist borrowers in selecting the right loan program and completing applications
• Gather and review supporting documentation to initiate loan processing
• Conduct preliminary underwriting review, including credit analysis
• Provide clear, consistent guidance from application through closing
• Build and maintain strong referral relationships (realtor, builders, community partners, etc.)
• Proactively generate new loan opportunities through networking and outreach
• Maintain knowledge of loan products, pricing, and underwriting guidelines for mortgages, home equity loans, and home equity lines of credit
• Ensure compliance with all federal lending regulations (TILA, RESPA, etc.)

What You Bring

• Strong relationship‑building and communication skills
• Strong knowledge of all consumer regulations, including Regulation B, G and Z, Uniform Commercial Code, FHLBB, FSLIC, RESPA, HPA, HMDA, TILA, Privacy and Fair Lending laws.
• A professional, approachable, and customer‑focused demeanor
• Ability to analyze financial information and make sound recommendations
• Working knowledge of mortgage processing, underwriting, and closing procedures for both secondary market and in‑house loans
• Ability to maintain discretion and confidentiality
• High level of accuracy, focus, and timeliness
• Proficiency in Microsoft Outlook, Word, and Excel

Benefits Overview

• Health insurance
• 401(k) matching
• Paid time off
• Health savings account
• Dental insurance
• Life insurance
• Employee assistance program
• Disability insurance
• Volunteer time off
• Paid holidays

Required Qualifications

• High School Diploma or equivalent
• Associate’s degree in business, finance or related field, preferred
• Minimum 5 years of mortgage loan origination/sales experience
• Active NMLS registration (or ability to obtain) under the S.A.F.E. Act

Equal Employment Opportunity Statement

First Security Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, ethnicity, gender, sexual orientation, gender identity, national origin, veteran status, or disability.