Mortgage Loan Officer

Top Line Financial Credit Union has been a member-owned financial services cooperative since 1935.We are looking for outgoing individuals to join our Top Line team that is dedicated to building life-long relationships to help our members reach and manage their financial goals. The Mortgage Loan Officer’s primary location will be Bloomington, with responsibilities that include assisting members at the Plymouth and Saint Paul locations as needed.

Mortgage Loan Officer is responsible for originating first mortgage loans, ensuring compliance with federal and state regulations, and provide expert guidance to members on mortgage products, manage the loan process from application to closing, and stay current on industry regulations and trends.

• Help our members by originating first mortgage loans for residential and investment homes.
• Providing top notch service to our members by counseling them through the selection of loan products such as FHA, VA, and RD loans, identify their needs, and lock in members’ commitment to the best possible product for them.
• Analyze members’ financial status, credit, and assets to determine loan eligibility.
• Gather and review required documentation and negotiate the terms and conditions of the loans.
• Conduct initial underwriting if necessary to determine if a loan is approvable and to determine what documentation is required.
• Stay apprised of the status of the local real estate market.
• Keep up to date on Top Line’s loan products and procedures as well as applicable state and federal regulations.

• High School diploma or equivalent.
• 2 – 5 years of experience related in GSE, and government-based lending with a working knowledge of FHA, VA, and RD.
• Great customer service and communication skills, both written and verbal.
• Up-to-date knowledge of mortgage lending regulations, policies, and procedures.
• Strong organizational skills and a high level of detail orientation.
• Ability to cooperate as a team member with Top Line staff and external vendors.

$43,158.88 - $53,948.60 (salary), plus the opportunity to increase your earnings through commission.

Top Line’s Mortgage Loan Officers receive a competitive base pay plus monthly commission, with unlimited earning potential!

• 401(k) with Employer Match
• Disability Insurance
• Flexible Spending Accounts
• Life Insurance
• Medical
• Paid Holidays
• Paid Time Off
• Pet Insurance
• Referral Program
• Vision

At Top Line Financial Credit Union, we celebrate diversity by offering a work environment that is shaped by individual respect and mutual trust where every individual can thrive. We are proud to be an
Equal Opportunity/ Affiantive Action Employer
committed to diversity in the workplace and comply with all applicable federal, state, and local laws regarding non-discrimination and affirmative action.