Primary Location:
Employee Status: Full-Time | Part-Time
Workplace Type: Fully Remote | Hybrid | Fully On-Site
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:
The Senior Mortgage Processor - Float position is responsible for supporting the Mortgage Processing team as a whole. This role will provide coverage as needed to ensure that mortgage loan applications continue moving forward and close on time. This role will maintain close contact with the borrower, real estate agent, mortgage loan originator, and mortgage underwriter through the entire loan process on all loans assigned. Additional tasks and duties would be assigned based on capacity and needs of the business, which may include support and assistance to other processors in the processing of their file(s).
What you’ll do:
Reviews underwriting decisions, prepares decision letters, and works with applicants to obtain any additional documents needed for final approval when filling in for other processors who are off work or based on business needs.
Works with outside vendors to obtain appraisals and title documents in a timely manner while also staying in contact with the borrower and internal partners in order to complete the loan process.
Processes more complex mortgage loan applications, including, but not limited to, conventional, government, bond/DPA, and new construction.
Reviews credit reports, income and asset documentation, and confirms all documentation meets requirements to move forward with an underwriting decision.
Communicates with all stakeholders regarding the loan process, providing excellent customer service at all times for both internal and external partners.
Finalizes the loan processing stage by preparing loans for submission to the Closing Department. This includes, but is not limited to, obtaining homeowner's insurance, payoffs, and coordination with the Title Department as well as internal partners in setting closing dates.
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
What you’ll bring:
3–5 years of similar or related experience, including preparatory experience; high school diploma or equivalent required with additional education preferred.
Strong interpersonal and communication skills with the ability to build trust and credibility while handling sensitive and confidential information and working effectively with customers, vendors, and internal partners at multiple levels.
Proficiency with Microsoft Office applications preferred and advanced knowledge of AllRegs strongly preferred, along with strong overall computer literacy and ability to navigate internet-based resources.
Excellent written and verbal communication skills with the ability to motivate, influence, educate, and advise others on matters of significance.
Ability to work independently and collaboratively while managing multiple priorities in a fast-paced environment.
Strong organizational, time management, flexibility, and adaptability skills to effectively handle changing workloads and deadlines.
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!
Have additional questions about the role? Email the Talent Acquisition Team at: Careers@lmcu.org.
If you lack access to the internet or require an accommodation in the application process, please send your resume via mail to 5664 Prairie Creek Drive, Caledonia, MI 49316.