Mortgage Loan Officer - St. Paul, MN

CorTrust Mortgage has an exciting opportunity to join our team as a Mortgage Loan Originator in St. Paul, MN!

It's more than just a job! When you join one of the region's leading community banks, you can expect a family atmosphere committed to building outstanding teams. We believe in the overall well-being of our employees and work hard to provide the best opportunities for growth. We're proud to offer a competitive compensation package that includes perks like 401k, insurance, paid time off, service awards, and community service opportunities.

We are looking for people who are challenged by a fast-paced environment and enjoy helping people achieve the dream of home ownership. CorTrust Mortgage Inc. is a wholly owned subsidiary of CorTrust Bank N.A., serving 37 communities in South Dakota and Minnesota. CorTrust Mortgage has a direct relationship with Fannie Mae and Freddie Mac. We service the vast majority of all conventional loans we originate. We also have access to a wide variety of mortgage products including but not limited to: FHA, VA, Conventional and RD. We also offer Minnesota and South Dakota Housing Finance Authority products.

As a Mortgage Loan Originator, incumbents will solidify CorTrust Mortgage as an industry leader by developing relationships and advocating in the community. They will solicit and pre-qualify loan applications, prepare credit application packages, and present requests to underwriting for approval. They will review loan documents and prepare them for closing.

Daily duties for this position:

• Advocates in the community to deepen relationships and markets the institution’s loan products.
• Screens borrower requests from potential applicants, reviews applications for pre-qualification, and issues prequalification letters to customers.
• Reviews loan applications and effectively communicates with potential borrowers to explain lending parameters and identify which loan programs and terms best fit each customer and situation.
• Works with borrowers to secure necessary information for loan underwriting and conducts site visits as needed.
• Prepares and reviews loan application packages according to underwriting policies and presents financial analysis to underwriting for approval.
• Reviews loan documents, title, appraisal, and survey prior to closing to ensure accuracy.
• Collaborates with borrowers, title company, and realtor to confirm conditions of funding are met prior to closing and coordinate timing of loan funding.
• Identifies additional unfilled banking or insurance needs and refers borrowers to Bank partners.
• Other duties, responsibilities, and activities may be assigned or changed at any time.

Required skills & abilities:

• Minimum two years’ experience in a mortgage lending or financial services environment.
• Mortgage banking background preferred with a proven track record of success.
• Adapts easily to system, process, product, and service changes.
• Advocates for CorTrust in the community, customer experience, and co-worker relationships.
• Ability to reason, problem solve, and think critically.
• Strong analytic, time management, and organizational skills and high level of attention to details.
• Effective written and verbal communication skills with the ability to make presentations and educate borrowers on loan products and processes.
• Demonstrates high level of integrity, personal diplomacy, and respect.
• Knowledge of federal and state laws and regulations pertaining to the mortgage banking industry.
• Works cooperatively and constructively with a wide variety of people, cross-functional teams, community- based organizations, title companies and referral partners.

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.