Mortgage Loan Officer

Position Overview

A 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.

• Originate loan applications by collecting appropriate documentation and verify details with real estate teams
• Review and analyze applications for pre‑approval recommendations to underwriters
• Assess loan attributes and documentation for accuracy and compliance
• Develop new referrals through networking and reaching out to current members with opportunities for refinancing or additional products
• Partner with real estate team throughout the mortgage process as the point of contact for the member
• Identify opportunities for savings, recommending Affinity Plus products and services that benefit our members
• Deliver and maintain production standards that are set for the role and market.
• Other duties as assigned.

• 2+ years of customer service experience
• 2+ years of lending experience
• B.S. or B.A. degree preferred or equivalent work experience
• Strong analytical and decision making skills required with a high degree of accuracy
• Aptitude to work independently as well as part of a team and ability to collaborate with others
• Strong verbal and written communication skills
• Time Management skills and the ability to prioritize workload based on department and member needs
• Flexibility to adapt and succeed in a dynamic environment
• Ability and drive to provide exceptional service to members and employees
• Intermediate computer skills and the ability to navigate between multiple systems with ease
• Understand investor guidelines when giving pre‑approvals under FNMA and FHLMC guidelines
• Ability to maintain regulatory guidelines set forth by the NCUA, CFPB, and Affinity Plus and apply them to loan files.
• Sitting 90-95% and standing 5-10% which is determined on your rotation within the branch
• Working at a computer 98% of the day, utilizing the phone 40-60%
• Bending, twisting, kneeling, stooping, or crouching when appropriate, on occasion
• Repetitive movements, including but not limited to typing, using a mouse, phones, etc.
• Lift, carry, push or pull up to approximately 30 pounds
• Requires face‑to‑face interaction and/or coordination of work with other employees and departments, and in‑person interaction

Full‑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.

This position will be based at our Bemidji, MN branch with consistent onsite expectations. The opportunity to work virtually may come up 1-2 times per week dependent on member appointments.

This position has a starting pay range of $22.30 — $27.90 per hour; this role does not include commissions or incentive pay.

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.

Affinity 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 front loads 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.

Applicants 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.