Mortgage Loan Originator

Our client is a well-established, member-focused credit union with a strong regional presence and a growing mortgage division. They sit at the intersection of the credit union and broker worlds, offering the stability of W-2 employment and a robust member referral network alongside a high-autonomy, performance-driven environment. Following the acquisition of two branches in the Twin Cities and St. Cloud markets, they are looking for a motivated, community-oriented Mortgage Loan Originator to establish and grow their presence in Minnesota. This is a ground-floor opportunity for a self-starter who is energized by building something - someone who wants to plant a flag, own a market, and grow with an organization invested in their success.



Responsibilities

• Prospect, build, and maintain relationships with realtors, builders, and community partners to generate self-sourced mortgage business
• Interview applicants, take loan applications, and guide borrowers through the mortgage process from prequalification to closing
• Represent the credit union at realtor and builder meetings, association events, and community networking functions
• Analyze lending situations to identify opportunities to further assist borrowers and deepen the member relationship
• Cross-sell additional credit union products and educate borrowers on the benefits of membership
• Ensure all loan documentation is accurate, complete, and compliant with applicable federal and state regulations
• Stay current on market trends, lending guidelines, and mortgage products; share relevant updates with appropriate team members
• Provide periodic production reports and participate in product development and training initiatives as needed

• 3-5 years of mortgage loan origination experience required - retail-to-mortgage transition candidates will not be considered for this market
• Active NMLS license in the state of Michigan (or ability to obtain prior to start)
• Demonstrated track record of self-generated purchase business - primarily driven by realtor and community relationships
• Bachelor's degree in Business or related field preferred
• Strong knowledge of mortgage loan programs, secondary market requirements, and federal/state lending regulations (including Regulation Z, FCRA, FHA/VA products)
• Excellent communication, organization, and time management skills
• Highly self-motivated and comfortable operating with significant autonomy - no assigned office, minimal direct oversight
• History of institutional loyalty; this role is built for someone looking to grow with an organization, not a frequent mover
• Production target: $8-12M annually