Mortgage Lender

First Bank, Upper Michigan; Marquette (MI); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Competitive compensation

Life & Disability Insurance

Employee Assistance Program (EAP)

Flex Spending Accounts (FSA)

Paid time off

Volunteer time off

401(k) Retirement Savings Plan with "$

Profit Sharing

Tuition Reimbursement

Job summary

First Bank in Marquette, MI is seeking a Mortgage Lender to originate and process residential mortgage loans, meeting with customers to assess borrowing needs and guide them through the full mortgage application process. The role requires evaluating creditworthiness, reviewing financial documentation, and recommending mortgage products, with emphasis on debt consolidation and refinancing options.

You'll build relationships with real estate professionals and cross-sell bank products to support

Qualifications

• Experience in loan processing and underwriting preferred.
• Strong decision-making and analytical abilities.
• Excellent interpersonal and customer service skills.
• Ability to cross-sell bank products and build client relationships.

Responsibilities

• Originate, analyze, and coordinate closing of consumer, residential, and small commercial loans as defined by position.
• Meet with customers to discuss financing options and assess borrowing needs.
• Evaluate creditworthiness and review financial documents.
• Ensure compliance with bank policies and lending regulations; maintain accurate loan files.
• Develop relationships with real estate professionals and referral sources; contribute to team lending goals.

Job description

Company Description: First Bank is a locally based community bank with seven offices serving Upper Michigan, offering a full range of commercial and retail banking products, services, and investment management solutions. The organization is strongly committed to quality customer service, reflected in its collaborative, customer-focused team. First Bank takes pride in giving back to the communities it serves and prioritizes long-term relationships with customers and colleagues. The bank emphasizes a people-first culture that supports customers, employees, and communities alike. First Bank is an FDIC-insured member and provides a stable, community-oriented environment for banking professionals.

• Role Description: The Mortgage Lender is a full-time, on-site role located in Marquette, MI. This role originates and processes residential mortgage loans, including meeting with customers to assess their borrowing needs and guide them through the full mortgage application process. The Mortgage Lender will evaluate creditworthiness, review financial documentation, and recommend appropriate mortgage products, including debt consolidation and refinancing options. Daily responsibilities include building and maintaining relationships with real estate professionals and other referral sources, ensuring accurate loan files, complying with banking regulations, and achieving individual and team lending goals. The role also involves providing clear, respectful communication, educating customers on loan terms and processes, and contributing to First Bank's commitment to excellent service and community engagement.

Description

Provide quality service to customers in specified lending areas, i.e., consumer, mortgage, and/or commercial (with emphasis dependent upon position). Must make sound decisions based on information obtained. Needs to fully understand the lending process and applicable rules and regulations.

ESSENTIAL FUNCTIONS

• Position is weighted to lending area, but not limited to.
• Meet with customers to discuss the best financing for their needs.
• Responsible for soliciting, originating, analyzing, underwriting, and coordinating the closing of consumer, residential, and small commercial loans as defined by position in compliance with the Bank's lending policies and procedures. Must be well-versed in policies, procedures, and processes, i.e., applications, credit reports, title work, flood reports, etc.
• Implements programs. Helps achieve Bank goals through active participation in officer call programs.
• Must be able to effectively cross-sell Bank products and generate business to further develop account relationships.
• Miscellaneous duties include various operational functions, i.e., branch management, compliance, security, and other responsibilities. Ensure all Bank policies and procedures are followed by employees.
• Effectively serve on internal committees as assigned and external committees as determined.
• Assist Loan Recovery staff with collection activities as necessary.
• Assume and accomplish other duties as directed or self-initiated.

BENEFITS

• Competitive compensation
• Life & Disability Insurance
• Employee Assistance Program (EAP)
• Flex Spending Accounts(FSA)
• Paid time off (vacation, personal, and sick)
• Volunteer time off
• 401(k) Retirement Savings Plan with immediate eligibility and company match
• Profit Sharing
• Tuition Reimbursement

Requirements

Position requires effective decision-making, with good interpersonal skills to work with customers, the community, and employees. Must have full knowledge of Bank lending procedures and policies, products, and services, as well as computer programs.

Professionalism must be exhibited and confidentiality respected at all times.

REQUIRED/PREFERRED EDUCATION & EXPERIENCE

Previous loan experience preferred.

WORK ENVIRONMENT

This job operates in a professional office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.

POSITION TYPE AND EXPECTED HOURS OF WORK

This is a full-time position. Days and hours of work are Monday through Friday, 8:15 a.m. to 5:15 p.m. Occasional evening and weekend work may be required as job duties demand.

PHYSICAL DEMANDS

The position may require the individual to perform repetitive motions while operating equipment such as a keyboard, calculator, or other bank/office-related machinery. While performing duties the employee may have to lift and/or move up to 25 pounds. Position requirements may be, but are not limited to, walking, standing, sitting, bending, talking, hearing, and communicating. These physical demands are representative of those required to successfully perform the essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.

ADDITIONAL REQUIREMENTS

• Valid driver's license and ability to be insured required if driving.
• Position requires attendance at meetings.
• Some travel is expected for this position. However, travel is primarily local and during the business day.
• Employees are responsible for the upkeep/organization of their work area and in cooperation with others in shared areas.