Mortgage Loan Officer
Join Our Team at First Security Bank!
Mortgage Loan Officer
Location: Byron, MN
Job Type: Full-time
Compensation: $80,000 - $110,000 a year plus bonus, based on experience
Work Location: In person
At First Security Bank, we believe banking should feel personal, approachable, and rooted in community. We’re looking for a Mortgage Banker who shares that mindset, someone who enjoys building relationships, guiding customers through important financial decisions, and making a meaningful impact locally.
Whether someone is purchasing their home, refinancing, or exploring lending options, we aim to be a calm, clear, and trusted guide every step of the way.
Position Overview
In this role, you will originate mortgage and home equity loans by building relationships, identifying customer needs, and guiding borrowers through the lending process from application to closing. You’ll serve as the primary point of contact and play a key role in growing our lending portfolio.
What You’ll Do
- Serve as the primary contact for customers throughout the loan process
- Assist borrowers in selecting the right loan program and completing applications
- Gather and review supporting documentation to initiate loan processing
- Conduct preliminary underwriting review, including credit analysis
- Provide clear, consistent guidance from application through closing
- Build and maintain strong referral relationships (realtor, builders, community partners, etc.)
- Proactively generate new loan opportunities through networking and outreach
- Maintain knowledge of loan products, pricing, and underwriting guidelines for mortgages, home equity loans and home equity lines of credit
- Ensure compliance with all federal lending regulations (TILA, RESPA, etc.)
What You Bring
- Strong relationship-building and communication skills
- Strong knowledge of all consumer regulations, including Regulation B, G and Z, Uniform Commercial Code, FHLBB, FSLIC, RESPA, HPA, HMDA, TILA, Privacy and Fair Lending laws.
- A professional, approachable, and customer-focused demeanor
- Ability to analyze financial information and make sound recommendations
- Working knowledge of mortgage processing, underwriting, and closing procedures for both secondary market and in-house loans
- Ability to maintain discretion and confidentiality
- High level of accuracy, focus, and timeliness
- Proficiency in Microsoft Outlook, Word, and Excel
Required Qualifications
- High School Diploma or equivalent
- Associate’s degree in business, finance or related field, preferred
- Minimum 5 years of mortgage loan origination/sales experience
- Active NMLS registration (or ability to obtain) under the S.A.F.E. Act
Benefits Overview
- Health insurance
- 401(k) matching
- Paid time off
- Health savings account
- Dental insurance
- Life insurance
- Employee assistance program
- Disability insurance
- Volunteer time off
- Paid holidays
Why First Security Bank?
Founded in 1904, First Security Bank is a locally owned community bank proudly serving Byron and Southeast Minnesota. As a full-service, federally chartered lender, we offer a wide range of mortgage solutions including Conventional, FHA, and VA programs, while staying true to our community-focused roots. At First Security Bank, you’ll have the opportunity to build meaningful relationships, make a local impact, and be part of a team that truly cares about both customers and each other.
First Security Bank is an Equal Opportunity Employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, ethnicity, gender, sexual orientation, gender identity, national origin, veteran status, or disability.
How To Apply
Please email your resume to Nicole Lesan at the email address linked to the button below. We look forward to hearing from you!