Mortgage Loan Specialist

Vibe Credit Union; Novi (MI); On-site; USD 65,000 - 95,000; Full time

Job summary

Vibe Credit Union is seeking a Mortgage Loan Specialist who will drive mortgage growth by cultivating new opportunities, building strong referral relationships, and helping members achieve their homeownership goals.

You will guide members through every stage of the mortgage process with integrity and empathy, discuss loan programs and rates, collect documents, and coordinate with partners to deliver personalized solutions.

Qualifications

• High school diploma or equivalent required.
• Minimum of 3 years of mortgage lending experience.
• Knowledge of FHA guidelines and mortgage processes.

Responsibilities

• Interview members, take mortgage applications, and collect preliminary documents.
• Discuss loan programs, rates, and credit requirements with members.
• Analyze member needs and recommend mortgage solutions.
• Provide underwriting findings and recommendations throughout the loan process.
• Counsel declined applicants on strategies to qualify later.
• Promote and cross-sell credit union products and services.
• Maintain knowledge of mortgage process and regulatory requirements.
• Complete weekly follow-up on active loan applications.

Skills

Mortgage lending

FHA guidelines

Interpersonal skills

Sales skills

Relationship building

Communication

Education

High school diploma or equivalent

Job description

Our Purpose

At Vibe, we are driven by our mission to Elevate Community and Create Opportunity. We believe in fostering an environment of inclusivity where every team member has the chance to grow professionally. Guided by our core values be inclusive, educate, embrace change, and seek opportunities, we are dedicated to making a positive impact in the lives of our members and communities.

As we continue to grow and expand our team, we are seeking passionate individuals who share our vision and are eager to join us in our journey. If you are someone who is passionate about making a difference and committed to creating a brighter future for our communities, we invite you to explore this exciting opportunity at Vibe!

Your Role: Mortgage Loan Specialist

As a Mortgage Loan Specialist, you will drive Vibe’s mortgage growth by cultivating new business opportunities, building strong referral relationships, and helping members achieve their homeownership goals. Acting as a trusted advisor, you will guide members through every stage of the mortgage process with integrity, professionalism, and empathy.

This role combines sales, relationship management, and mortgage expertise to ensure members receive personalized solutions while supporting Vibe’s commitment to exceptional service and community impact.

What You’ll Do:

• Business Development & Relationship Building
• Actively identify and pursue opportunities to generate new mortgage business through networking, referrals, and strategic outreach.
• Build and maintain strong relationships with members, referral partners, and community contacts.
• Participate in community networking groups and events to expand Vibe’s presence and mortgage lending opportunities.
• Professionally promote and cross-sell Vibe Credit Union products and services.
• Interview members, take mortgage applications, and collect preliminary loan documentation accurately and thoroughly.
• Discuss loan programs, alternatives, interest rates, and credit requirements with members.
• Analyze member needs and recommend personalized mortgage solutions.
• Communicate underwriting findings and recommendations throughout the loan process.
• Advise members regarding loan approvals or denials, clearly explaining decisions and next steps.
• Counsel declined applicants on strategies that may help them qualify for homeownership opportunities in the future.
• Provide guidance related to financial wellness and responsible borrowing practices.

Loan Management & Compliance

• Maintain comprehensive knowledge of the mortgage process, including credit reports, appraisals, titles, and title insurance.
• Ensure all mortgage activities comply with regulatory requirements, lending guidelines, and Credit Union policies.
• Complete weekly follow-up activities for all active loan applications to ensure a smooth member experience.
• Maintain accurate records and documentation throughout the lending process.

What We’re Looking For:

Education & Experience

• High school diploma or equivalent required
• Minimum of three (3) years of related mortgage lending experience

Skills & Abilities

• Working knowledge of FHA guidelines and mortgage lending practices
• Exceptional interpersonal and communication skills with the ability to simplify complex financial information
• Strong relationship-building abilities and consultative sales skills
• Excellent organizational skills with attention to detail and documentation accuracy
• Advanced prioritization and time-management skills
• Ability to effectively manage multiple loan files and competing deadlines
• Professional, member-focused approach with strong problem-solving abilities

Why You’ll Love It Here:

• You’ll help members achieve one of life’s most important milestones- homeownership!
• You’ll build meaningful relationships throughout the communities we serve.
• You’ll have the opportunity to grow your business development and lending expertise while making a measurable impact.
• You’ll work in a collaborative, supportive environment that values service, integrity, and personal growth.
• You’ll be part of a mission-driven organization dedicated to elevating community and creating opportunity every day.

Physical Requirements

The physical demands described represent those required to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

While performing this role, the employee may be required to hear, see, talk, stand, walk, stoop, kneel, lift, push, pull, and grasp.