Mortgage Loan Originator - Ramsey, MN

Security Bank & Trust Co.; Minnesota; Sur place; USD 60 000 - 90 000; Plein temps

Résumé du poste

Security Bank & Trust Co. is seeking an experienced residential mortgage lending professional for its Ramsey, Minnesota office. The role includes originating and managing residential mortgage loans, building client relationships, and ensuring compliance with regulations. Candidates should have a bachelor’s degree and 3–7+ years of mortgage lending experience. Strong communication skills and a customer-oriented approach are essential. This role offers engagement with clients and collaboration across the metro market.

Qualifications

• 3–7+ years of residential mortgage lending experience preferred.
• Experience with portfolio mortgage lending and secondary market execution strongly preferred.
• Active NMLS Mortgage Loan Originator registration or ability to obtain.

Responsabilités

• Originate residential mortgage loans across the bank’s metro market area.
• Develop and maintain relationships with borrowers, realtors, builders, and referral partners.
• Support mortgage lending activity across the broader metro market.
• Ensure compliance with federal and state regulations.
• Collaborate with underwriting, processing, and branch staff for timely loan closings.
• Assist with select consumer loan products.

Connaissances

Relationship building

Credit judgment

Communication skills

Organizational skills

Formation

Bachelor’s degree in Finance, Business, Economics, or related field

Description du poste

Security Bank & Trust Co. is passionate about helping our clients succeed and making a difference in our communities. And that starts with our employees.

We are seeking an experienced residential mortgage lending professional to be based in our Ramsey, Minnesota office, with responsibility for supporting mortgage lending activity across Security Bank & Trust Co.’s metro market footprint.

This role is responsible for originating and managing a mix of portfolio residential mortgage loans and secondary market loans originated through the Federal Home Loan Bank of Des Moines MPF program, while also supporting select consumer and commercial lending activities. The ideal candidate brings strong relationship building skills, sound credit judgment, and experience operating within a community banking environment.

Responsibilities:

• Loan Originations: Originate residential mortgage loans—including conventional, jumbo, construction to permanent, home equity loans, and HELOCs—serving customers throughout the bank’s metro market area. Manage loans held in portfolio as well as loans originated for secondary market sale through the FHLB Des Moines MPF program, ensuring compliance with investor, agency, and regulatory requirements.
• Client Relationship Management: Develop and maintain strong relationships with borrowers, realtors, builders, and referral partners across the metro market. Serve as the primary point of contact for clients throughout the mortgage process.
• Market Support & Client Engagement: Operate primarily out of the Ramsey office while supporting mortgage lending activity across the broader metro market. Utilize other Security Bank & Trust Co. locations for client meetings, internal collaboration, and business development as needed.
• Compliance & Reporting: Adhere to internal credit policy and all applicable federal and state regulations, including TILA, RESPA, HMDA, Fair Lending, and SAFE Act requirements. Maintain accurate, complete, and audit ready loan documentation.
• Cross Team Collaboration: Work closely with underwriting, processing, loan operations, and branch staff to ensure consistent execution and timely loan closings across markets.
• Consumer Lending Support: Assist with select consumer loan products, including home equity and other consumer credit products, in accordance with bank policy.

Education and Experience:

• Bachelor’s degree in Finance, Business, Economics, or a related field preferred.
• 3–7+ years of residential mortgage lending experience preferred.
• Experience with both portfolio mortgage lending and secondary market execution strongly preferred.

Qualifications:

• Demonstrated knowledge of construction, jumbo, and home equity products.
• Active NMLS Mortgage Loan Originator registration (or ability to obtain).
• Solid understanding of credit fundamentals and regulatory requirements.
• Strong communication, organizational, and relationship building skills.

Preferred Attributes:

• Ability to manage multiple priorities across multiple market locations.
• Detail oriented with a strong customer service mindset.
• Collaborative and team oriented approach.
• Comfortable engaging with clients, referral sources, and internal partners throughout the metro market.