Mortgage Loan Officer

Job TitleMortgage Loan OfficerJob DescriptionAt Affinity Plus every employee understands how their work affects our members experience and we strive to provide an experience that can't be found anywhere else. Great service starts with great employees and that is why we focus on providing not only the best place our members will ever bank but the best place our employees will ever work. Between our one of a kind culture, incredible benefits, and work/life balance; we believe you will feel the Affinity Plus difference.Position OverviewA Mortgage Loan Officer assists current and potential members with all of their mortgage needs. A Mortgage Loan Officer will prepare, analyze, process, and document all Real Estate applications. In addition, this role is accountable for analyzing member's financial background and either pre-approve or deny applications based on this analysis.Duties and ResponsibilitiesOriginate loan applications by collecting appropriate documentation and verify details with real estate teamsReview and analyze applications for pre-approval recommendations to underwritersAssess loan attributes and documentation for accuracy and complianceDevelop new referrals through networking and reaching out to current members with opportunities for refinancing or additional productsPartner with real estate team throughout the mortgage process as the point of contact for the memberIdentify opportunities for savings, recommending Affinity Plus products and services that benefit our membersDeliver and maintain production standards that are set for the role and market.Other duties as assigned.Qualifications and Skills2+ years of customer service experience2+ years of lending experienceB.S. or B.A. degree preferred or equivalent work experienceStrong analytical and decision making skills required with a high degree of accuracyAptitude to work independently as well as part of a team and ability to collaborate with othersStrong verbal and written communication skillsTime Management skills and the ability to prioritize workload based on department and member needsFlexibility to adapt and succeed in a dynamic environmentAbility and drive to provide exceptional service to members and employeesIntermediate computer skills and the ability to navigate between multiple systems with easeUnderstand investor guidelines when giving pre-approvals under FNMA and FHLMC guidelinesAbility to maintain regulatory guidelines set forth by the NCUA, CFPB, and Affinity Plus and apply them to loan files.Workplace EnvironmentSitting 90-95% and standing 5-10% which is determined on your rotation within the branchWorking at a computer 98% of the day, utilizing the phone 40-60%Bending, twisting, kneeling, stooping, or crouching when appropriate, on occasionRepetitive movements, including but not limited to typing, using a mouse, phones, etc.Lift, carry, push or pull up to approximately 30 poundsRequires face-to-face interaction and/or coordination of work with other employees and departments, and in-person interactionRequired Work ScheduleFull-time 40 hours/week with shifts falling between the hours of 7am -7pm Monday – Friday, Saturday between 7am-3pm adding up to 40 hours per week. Consistent and reliable attendance is a required essential function of this role to meet the needs of the department/team and organization.LocationThis position will be based at our St. Paul - Lafayette, MN branch with daily onsite expectations. The opportunity to work virtually may come up 1-2 times per week based on member appointments.CompensationThis position has a starting pay range of $22.30 — $27.90 per hour.In alignment with our commitment to pay transparency, we are providing a good-faith estimate of the pay range for this position. This range reflects what we anticipate offering a successful candidate based on factors such as the role's responsibilities, required qualifications, and relevant experience. The actual pay may vary depending on the selected candidate's skills, experience, and other qualifications.Total RewardsAffinity Plus offers a comprehensive Total Rewards package that goes beyond base pay. In partnership with the State of MN Employer Group, Affinity Plus provides low-cost medical, dental and vision insurance coverage options. Additionally, Affinity Plus frontloads all sick time hours and a portion of vacation hours for all new employees, offers a variety of paid leave options, a monthly wellness benefit, and immediate 401K matching up to 5%. Our Total Rewards philosophy is designed to support your well-being and growth while fostering a fair and inclusive workplace.DisclaimerApplicants may be subject to a background and credit check. Employees in this position must be able to satisfactorily perform the essential functions of the position. If requested, Affinity Plus Federal Credit Union will make every effort to provide reasonable accommodations to enable employees with disabilities to perform the position's essential job duties. As markets change and the Organization grows, job descriptions may change over time as requirements and employee skill levels evolve. With this understanding, Affinity Plus Federal Credit Union retains the right to change or assign other duties to this position.Application DeadlineAffinity Plus Federal Credit Union accepts applications on a rolling basis.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.