Mortgage Loan Originator

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Luminate Bank

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1937

🏦 Banking

💳 Fintech

Banking • Fintech

Luminate Bank is a regional consumer- and business-focused bank headquartered in Minneapolis that provides a full range of retail and commercial banking services. It offers personal accounts (checking, savings, CDs, HSAs), business banking and treasury management, full-service mortgage and home lending (conventional, FHA, VA, jumbo, construction, renovation, reverse, refinance), title & escrow, and credit card products. The bank emphasizes digital banking tools — a mobile app, online banking, digital wallet integrations, Zelle®, and financial planning resources — while highlighting local support, community impact, and resources for first-time homebuyers and small businesses.

📋 Description

• Originate residential mortgage loans by developing and maintaining relationships with real estate agents, builders, and other referral sources • Assist clients in selecting the best mortgage product based on their financial situation and goals • Guide clients through the mortgage application process, including completing loan applications and gathering necessary documentation • Analyze applicant financial status, credit, and property evaluations to determine loan feasibility • Present loan options and explain terms and conditions to clients in a clear and understandable way • Ensure all loans meet underwriting guidelines and comply with state and federal regulations • Communicate with underwriters, processors, and other parties to ensure timely loan approvals and closings • Keep current with market trends, loan products, and changes in mortgage regulations • Meet established sales goals and maintain high customer satisfaction ratings

🎯 Requirements

• High school diploma or equivalent; bachelor’s degree in finance, business, or related field preferred • Proven experience as a Mortgage Loan Officer, Loan Originator, or similar role • Valid NMLS (Nationwide Mortgage Licensing System) license • Knowledge of loan origination systems (LOS) and mortgage lending guidelines (e.g., FHA, VA, USDA, and conventional loans) • Strong understanding of financial documentation and credit analysis • Excellent interpersonal, communication, and sales skills • Ability to work independently and manage time effectively • High level of integrity and strong ethical standards

🏖️ Benefits

• Competitive compensation reliant on ability and experience • Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision • Life and AD&D Insurance, as well as additional voluntary benefit possibilities • 401K with robust company match • Flexible PTO program • Earned Sick & Safe Time (ESST) • The opportunity to work for the Midwest’s fastest growing lender