Senior Mortgage Processor

Primary

Location:

Grand Rapids, 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 discover the difference an employer who puts people first can make in your career and life.

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.

• 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.

• 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 All Regs 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.

• 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!

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…