Senior Mortgage Underwriter

Primary

Location:

Grand Rapids, MI or Livonia, MI

Employee Status:
Full Time

Workplace Type:
Hybrid

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 experience the difference an employer who puts people first can make in your career and life.

The Senior Mortgage Underwriter’s responsibilities include analyzing and verifying complex loan applications, evaluating risks, and making loan eligibility decisions. A successful Senior Mortgage Underwriter should be able to exercise sound judgment based on detailed analysis and ensure that all documentation is in compliance with the relevant regulations for more complex loans.

• Underwrite more complex mortgage loan applications, including review of credit and collateral for all loan applications, income, and assets (including self‑employment income). Approve, counteroffer, or decline residential loan applications within delegated lending authority, ensuring files are fully underwritten to applicable guidelines including those of the secondary market.
• Analyze and review appraisal reports and request clarifications or corrections from vendors.
• Work as a team with Loan Processors and Sales regarding questions on loan structure and guideline adherence.
• Maintain a working pipeline while ensuring productivity levels are met and credit quality meets all defined standards.
• Update information on loan origination systems to verify, add, and satisfy conditions.
• Stay current with industry and organizational trends and changes, including updates to underwriting guidelines, mortgage products, and PMI, while serving as a subject‑matter expert in various areas related to mortgage underwriting.
• Comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and O‑FAC.
• Consistently demonstrate a commitment to the culture of Lake Michigan Credit Union by exhibiting the core values of Curious Minds, Collaborative Hearts, and Continuous Excellence.

• 5+ years of similar or related experience, including preparatory experience. 3+ years of mortgage underwriting required.
• A high‑school diploma (higher education strongly preferred).
• Understanding of current mortgage loan interest rates, rate‑lock and relock procedures, and consumer loan products including Execulines, second mortgage products, swing loans, and land loans.
• Proficiency with Collateral Underwriter application and loan origination software systems. Experience with Empower/Black Knight, Loan Beam, and Data Verify preferred.
• Understanding of Adverse Action guidelines and HDMA‑related functions.

• All employees receive weekly pay and retirement savings options.
• Full‑time employees benefit from comprehensive health coverage, including medical (with prescription), dental, vision, HSA match, paid parental leave, and tuition reimbursement.
• See a full list of benefit offerings in our benefit guide
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Have additional questions about the role? Email the Talent Acquisition Team at Careers
.

To accommodate applicants who lack internet access or require a support in the application process, please send your resume via mail to 5664 Prairie Creek Drive, Caledonia, MI 49316.

LMCU is an Equal Opportunity Employer.

• Mid–Senior level

• Full‑time

• Finance and Sales
• Banking

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