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Sr. Mortgage Loan Officer

Job Title: Sr. Mortgage Loan Officer
FLSA Status: Non-Exempt, Full Time


Reports To: SVP Mortgage Lending
Pay Level: 9 $27.77 to $43.95 per hour


Department: Minnco Center Administration
Date: March 2026


Position Objective:
The Sr. Mortgage Loan Officer is responsible for driving growth in first mortgages by assisting members via walk-ins, appointments, and referrals and work to approve or deny loan applications based on the analysis of each applicant’s background.
Essential Duties and Responsibilities:
  • Develop mortgage loan business by promptly responding to member requests, following up on warm leads and networking both inside and outside the credit union
  • Interview loan applicants and assist members with the loan application process
  • Compiles member loan documentation for loan processing, explains financing options and discusses with member the fees, loan repayment options, and other credit terms according to credit union standards
  • Reviews and analyzes residential loan applications to verify that data is complete including mortgage type, loan amount, borrower assets, liabilities, and employment
  • Reviews and analyzes residential loan applications to verify that data is complete including mortgage type, loan amount, borrower assets, liabilities, and employment
Leadership and Professionalism
  • Maintain and uphold Minnco’s Core Values in all work
  • Ability to act with integrity and professionalism while maintaining confidentiality and objectivity
  • Maintain a professional image of Minnco by maintaining a neat workspace, wearing proper attire and greeting all with a positive attitude and a smile
Required Qualifications
  • High School Diploma or equivalent
  • Three of more years of first mortgage origination experience
  • Mortgage Loan Originator(MLO) license required
  • Proficient at structuring a loan, determining proper loan to value on collateral, and familiar with credit reports
  • Thorough understanding of Conventions, FHA, VA and special mortgage loan programs with knowledge on the necessary documentation required for processing and obtaining underwriting approval
  • Comprehensive knowledge of first mortgage real estate lending practices, including federal and state regulatory requirements
  • Excellent written and verbal communication skills

Desired Qualifications
  • Four-year degree in a related field
  • Proficient in Microsoft Office and Teams environments with the ability to easily learn different programs and applications
  • DNA Experience
  • Previous experience within a financial institution, preferably credit unions
Environment and Physical Demands:
The majority of work will require sitting/standing while using the computer, and participating in meetings (in person, while on the phone, or online). Using finger dexterity for typing on the keyboard plus reading and viewing computer monitor.
Work Location
Employee will work in an office setting with low noise level, full-time Monday thru Friday between the hours of 8am and 5pm, with occasional weekend work during business hours. Travel to other branch locations may be required on occasion.
Our Company
Since 1935, Minnco Credit Union has provided the people of East Central Minnesota with quality financial products and services at the lowest possible cost. Having grown to more than 30,000 members, Minnco Credit Union is preserving its rich tradition by continuing to provide our members with new, convenient products and services to meet the demands of today’s hectic lifestyles.
Our Core Values
The acronym STRIVE encompasses our core values of Strength, Trust, Respect, Integrity, Value, and Engagement. At Minnco, we are committed to providing these values to both our members and employees, and therefore STRIVE to fulfill these principles every day.
Benefits Offered
  • High Deductible Health Plan at low cost to employees, with a $2000 employer contribution to your eligible HSA account.
  • Flexible Spending Accounts
  • Dental
  • Life Insurance, Long Term Disability and AD&D for Full-time 40-hour employees
  • Long Term Disability insurance which pays 60% of salary after 90 days
  • Retirement Benefits
  • Generous PTO Benefit
  • Employee Assistance Program
  • MN Paid Family and Medical Leave

This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the discretion of Minnco Credit Union.
Complies with the Bank Secrecy Act/Anit-Money Laundering/CIP (U.S. Patriot Act), privacy procedures and policies.
Minnco Credit Union does not discriminate based on race, sex, color, religion, ago, nationality, origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity or any other reason prohibited by law in provision of employment opportunities and benefits.

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