Senior Mortgage Processor

Lake Michigan Credit Union; Michigan; Híbrido; USD 55.000 - 75.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Weekly pay

Retirement savings options

Health coverage including medical, and

Dental coverage

Vision coverage

HSA match

Paid parental leave

Tuition reimbursement

Descripción de la vacante

Lake Michigan Credit Union is seeking a Senior Mortgage Processor to manage documentation, approvals, and collaboration with borrowers, agents, and partners from origination to closing.

You will review underwriting decisions, coordinate appraisals and title work, and ensure files meet agency requirements for underwriting and closing.

Formación

• Three to five years of mortgage lending or loan processing experience or training.
• Extensive experience or education in mortgage lending strongly preferred.
• Experience processing various mortgage loan products, including escrow and adjustable-rate mortgage requirements.
• Ability to thrive in a fast-paced, deadline-driven environment.
• Advanced knowledge of the AllRegs website strongly preferred.
• Intermediate proficiency with Microsoft Office applications.

Responsabilidades

• Review underwriting decisions, prepare decision letters, and obtain additional documentation for final approval.
• Coordinate with outside vendors to obtain appraisals and title documents within required timelines.
• Maintain communication with borrowers and internal partners throughout the loan process.
• Process complex mortgage loan applications, including conventional, government, bond and down-payment-assistance, and new-construction loans.
• Review credit reports, income documentation, and asset documentation to confirm the loan file meets underwriting requirements.
• Provide a high level of service through clear and timely phone and email communication with borrowers and internal and external partners.
• Prepare completed loan files for submission to the Closing Department.
• Obtain homeowners insurance and payoff information and coordinate with the Title Department and internal partners to establish closing dates.
• Comply with applicable laws and regulations, including the Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign Assets Control requirements.
• Adhere to and champion our core values of curious minds, collaborative hearts, and continuous excellence.

Conocimientos

Mortgage lending

Loan processing

AllRegs knowledge

MS Office

Communication

Time management

Organizational skills

Independent worker

Team collaboration

Educación

High school diploma

Bachelor’s degree preferred

Herramientas

AllRegs

Microsoft Office

Descripción del empleo

Primary Location: Grand Rapids, MI Employee Status: Full-Time Workplace Type: Hybrid

Who we are:

At LMCU, you'll find more than just a job - discover a fulfilling career where your contributions truly matter. Join our talented team at Lake Michigan Credit Union and discover the difference an employer who puts people first can make in your career and life.

About this position:

Our Senior Mortgage Processor is responsible for gathering, reviewing, and organizing the documentation required to process complex mortgage loan applications. Serves as the primary point of contact for borrowers, real estate agents, mortgage loan originators, mortgage underwriters, and other partners from origination through closing. Applies detailed knowledge of mortgage programs and agency requirements to ensure loan files are complete, accurate, and ready for underwriting and closing.

What you’ll do:

• Review underwriting decisions, prepare decision letters, and work with applicants to obtain additional documentation required for final approval.
• Coordinate with outside vendors to obtain appraisals and title documents within required timelines.
• Maintain communication with borrowers and internal partners throughout the loan process.
• Process complex mortgage loan applications, including conventional, government, bond and down-payment-assistance, and new-construction loans.
• Review credit reports, income documentation, and asset documentation to confirm the loan file meets requirements for an underwriting decision.
• Provide a high level of service through clear and timely phone and email communication with borrowers and internal and external partners.
• Prepare completed loan files for submission to the Closing Department.
• Obtain homeowners insurance and payoff information and coordinate with the Title Department and internal partners to establish closing dates.
• Comply with applicable laws and regulations, including the Bank Secrecy Act, USA PATRIOT Act, and Office of Foreign Assets Control requirements.
• Adhere to and champion our core values of curious minds, collaborative hearts, and continuous excellence.

What you’ll bring:

• High school diploma or equivalent required; higher education preferred.
• Three to five years of mortgage lending or loan processing experience or training.
• Extensive experience or education in mortgage lending strongly preferred.
• Experience processing various mortgage loan products, including escrow and adjustable-rate mortgage requirements.
• Ability to thrive in a fast-paced, deadline-driven environment.
• Advanced knowledge of the AllRegs website strongly preferred.
• Intermediate proficiency with Microsoft Office applications.
• Strong computer skills with the ability to navigate internet-based systems.
• Effective written and verbal communication skills.
• Ability to work independently while collaborating effectively with internal partners.
• Strong time-management and organizational skills with the ability to balance changing priorities.
• Ability to perform basic mathematical calculations accurately.

What you’ll get:

• All Employees: weekly pay and retirement savings options.
• Full Time Employees: comprehensive health coverage including medical (with prescription), dental, vision, HSA match, paid parental leave, and tuition reimbursement.

To see a full list of our benefit offerings, check out this helpful guide!

Company Culture & Values

LMCU is an Equal Opportunity Employer Lake Michigan Credit Union is fundamentally different than a bank, both in our structure and mission. Our goal has always been to do what is best for our members. This approach guides every decision we make and every service we offer. As a credit union, our goal isn’t to generate profits for shareholders, it’s to improve the lives of our members. LMCU is consistently rated in the top ten in the nation for Return of the Member by Callahan & Associates, meaning we give back more to our members in the form of higher rates when they save and lower rates when they borrow. At LMCU, the emphasis on delivering real value to our members has been job one, since day one. As one of the largest credit unions in the nation for several years running, LMCU has earned many awards and accolades such as inclusion as one of the 101 Best and Brightest Companies to Work For Nationally and being recognized by Forbes as a Great Place to Work. As an employee, you'll enjoy a stimulating, professional atmosphere, supported by the latest technology, training, and development. We recognize that a healthy balance between work, home life, and play is essential to our employees and our success. We offer a friendly, respectful and inclusive work environment, fun employee activities and rewarding community involvement opportunities. You’ll love working here at Lake Michigan Credit Union!

LMCU is an Equal Opportunity Employer