CorTrust Bank

St. Paul, MN

Job Title:
Mortgage Loan Officer

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.

• 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.

• 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.


How to Apply: