Construction Loan Processor
Loan processor job in Fenton, MI
Non-Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Acts as the Draw Expert for various functions related to the Construction Draw process and other construction servicing duties. Handles complex draws, loan modifications and loan conversions.
Reports To: Secondary Market and Construction Team Lead
Essential Duties and Responsibilities
* Meets with builders, borrowers, and title companies on the draw process. Maintains up to date Welcome Packet for new construction files.
* Confers with customer by telephone in attempt to determine matters related to construction draws, insurance claims, construction loan modifications, construction term outs and general loan servicing matters.
* Assists with escalated project conflicts, to include in person meetings with all applicable parties. Works with Department Supervisor to assist in resolution when necessary.
* Initiates contact with customers, builders, and title companies for the purpose of maintaining good relations and error resolution.
* Expert on construction draw process to include draws, monitoring of construction loan files for percentage of completion, and disbursements.
* Identifies loans for conversion of payment schedules to standard P&I payments, processes as necessary.
* Reviews final draw process (ex: refund of excess inspection fees and construction funds, final document checklist), processes as necessary with approval.
* Assists with hazard and flood insurance claim re-construction processes, including draws, inspections, and disbursements.
* Prepares appropriate recalculations for pay-downs and prepare modification recommendations and reviews completed modifications, processes as necessary with approval.
* Processes new builder applications.
* Maintains Approved Builder List, Self-Built and Denied Builder Lists.
* Maintains current knowledge of laws/regulations, policies/procedures which affect job function.
* Assists with implementation and changes in technology to improve efficiency and effectiveness of routine jobs. Maintains current knowledge of laws/regulations, policies/procedures which affect job function.
* Additional responsibilities as assigned.
* Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
* Be familiar with and comply with all federal and state banking regulations as applicable
Competencies
In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:
Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.
Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Requirements
Qualifications
To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.
Experience and/or Education
High School Diploma or Equivalent
One to two years related experience and/or training; or equivalent combination
Physical Demands and Work Environment
Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.
Construction Loan Processor
Loan processor job in Fenton, MI
Non-Exempt - Grade Level 5
Equal Employment Opportunity
Corporate Values & Mission
“Provide superior service, quality advice and show our utmost respect to everyone we meet.”
Acts as the Draw Expert for various functions related to the Construction Draw process and other construction servicing duties. Handles complex draws, loan modifications and loan conversions.
Reports To: Secondary Market and Construction Team Lead
Essential Duties and Responsibilities
Meets with builders, borrowers, and title companies on the draw process. Maintains up to date Welcome Packet for new construction files.
Confers with customer by telephone in attempt to determine matters related to construction draws, insurance claims, construction loan modifications, construction term outs and general loan servicing matters.
Assists with escalated project conflicts, to include in person meetings with all applicable parties. Works with Department Supervisor to assist in resolution when necessary.
Initiates contact with customers, builders, and title companies for the purpose of maintaining good relations and error resolution.
Expert on construction draw process to include draws, monitoring of construction loan files for percentage of completion, and disbursements.
Identifies loans for conversion of payment schedules to standard P&I payments, processes as necessary.
Reviews final draw process (ex: refund of excess inspection fees and construction funds, final document checklist), processes as necessary with approval.
Assists with hazard and flood insurance claim re-construction processes, including draws, inspections, and disbursements.
Prepares appropriate recalculations for pay-downs and prepare modification recommendations and reviews completed modifications, processes as necessary with approval.
Processes new builder applications.
Maintains Approved Builder List, Self-Built and Denied Builder Lists.
Maintains current knowledge of laws/regulations, policies/procedures which affect job function.
Assists with implementation and changes in technology to improve efficiency and effectiveness of routine jobs. Maintains current knowledge of laws/regulations, policies/procedures which affect job function.
Additional responsibilities as assigned.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
Be familiar with and comply with all federal and state banking regulations as applicable
Competencies
In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:
Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.
Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Requirements
Qualifications
To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.
Experience and/or Education
High School Diploma or Equivalent
One to two years related experience and/or training; or equivalent combination
Physical Demands and Work Environment
Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.
Loan Processor
Loan processor job in East Lansing, MI
We are seeking an experienced Loan Processor who has a passion for customer service! Do you have the passion to provide expert guidance to our members? Do you want to create an outstanding experience? Do you enjoy working in a team environment? We are excited for you to apply to our Loan Processor position in East Lansing, MI location supporting our Agribusiness Lending group. This position is an integral part of our team that actively engages with our customers to provide exceptional service meeting or exceeding their expectations personally or through team members. This position provides effective, efficient support of sales, credit, and financial products primarily through loan document preparation and servicing. In this position, you will supply administrative support to all members of the GreenStone team.
GreenStone employees are driven by a desire to help rural communities! GreenStone employees exhibit the same work ethic, values and commitment to each other as the customers we serve.
Get to know GreenStone
Our $14 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.
Culture
Core Four values steer everything we do at GreenStone. Customer First, Delivery Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.
What can we offer you?
GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.
GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:
* 15 vacation days, 12 sick days, and 12 paid holidays per year
* 401(k) plan - up to a 9% employer contribution/match
* Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.
* $150/year Logo Wear allowance
* $400/year Wellness Subsidy/Reimbursement & wellness programs
* $6,000 lifetime maximum Student Debt repayment program
* Yearly bonus/incentive opportunity available to all benefit eligible employees
Responsibilities…
* Provide excellent internal and external customer service.
* Process loans and loan servicing by gathering relevant information, reviewing provided documents, and coordinating with internal and external resources to accurately prepare documentation.
* Collect, coordinate, upload, and index documentation necessary to assist with loan process utilizing prescribed system.
* Facilitate loan closings for customers including serving as a notary.
* File, maintenance, and track uniform commercial codes.
* Obtain and track property insurance.
This position requires...
* High School diploma, Associate's degree preferred.
* 3 + years customer service or office experience required.
* 3+ years loan processing or title insurance experience required.
* Must demonstrate the ability to utilize computer technology and multiple software applications.
* Knowledge of varied loan policies, procedures, and practices is desired.
* Experience in cash handling, receipting and disbursing funds, and cash balancing is desired.
* Experience with mortgage and/or title work preferred.
* Commercial Loan experience preferred.
GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.
Business Loan Processor
Loan processor job in East Lansing, MI
Responsible for providing clerical support for loan and other business services activities. Prepares and files a variety of documents. Processes member business loan requests, and opens new member business accounts. Opens mail and performs miscellaneous clerical functions as needed. Provides high quality and professional service to members, and acts in support of the Commercial Portfolio Service Team ESSENTIAL FUNCTIONS AND BASIC DUTIES
Assumes responsibility for the effective performance of assigned clerical, secretarial, and account processing functions.
Opens business accounts.
Monitors and compiles adequate supplies of business service offerings for branches. Orders checks for businesses. Sends out merchant supplies and mails merchant statements.
Tracks and ensures appropriate business account opening information is received from branches in a timely manner.
Orders checks for businesses, sends out merchant supplies,
Processes invoices and GL reimbursements
Scan, organize and file various forms of documentation
Maintains, organizes, updates and prepares files for internal audit business files.
Prepares appropriate vendor reviews
Processes flood certification, 4506-T requests, business credit report requests,
Sends out adverse actions for loan denials
2. Assumes responsibility for establishing and maintaining effective business relations with members.
Assists with questions and problems courteously and promptly.
Obtains and conveys information as needed.
Maintains the Credit Union's professional reputation.
Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management.
Attends and participates in meetings as required.
Assists, supports, and replaces Business Services personnel as needed.
Develop and maintain strong working relationsip with all branch staff to assist with any needs
Keeps management informed of area activities and of any significant problems.
Assumes responsibility for related duties as required or assigned.
Completes special projects as assigned.
Ensures that work area is clean, secure, and well maintained.
PERFORMANCE MEASUREMENTS
Business accounts are opened in accordance with established policies and procedures.
Document preparation is accurate, neat, and timely.
Files are accurate and well organized.
Miscellaneous clerical functions are efficiently and effectively completed.
Professional working relations exist with members. Assistance is provided as needed. Questions are answered courteously and promptly.
Good working relations and communications exist with Credit Union personnel and with management. Assistance and support are provided as needed. Management is appropriately informed.
QUALIFICATIONS Education/Certification: High school graduate or equivalent. Required Knowledge: Basic knowledge of business account services and procedures, helpful not required Familiarity with business loan programs and service requirements. Familiarity with general loan documentation helpful. Experience Required: Prior experience helpful, particularly in a financial environment. Skills/Abilities: Accurate and attentive to detail. Project management skills and well organized. Strong typing abilities. Ability to assist, direct and coordinate others. Able to use computer, adding machine, copy machine, and basic business equipment. Maintains high degree of confidentiality. Good interpersonal and public relations skills. Solid analytical, creative, and problem-solving abilities. Able to work well independently. Use of Excel, Word and Adobe acrobat
Loan Officer
Loan processor job in Lansing, MI
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!! Description: · Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
Home Loan Specialist I
Loan processor job in Lansing, MI
About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards
Position Summary:
SolomonEdwards is looking for a Home Loan Specialist I for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives.
Position Locations:
Phoenix, AZ
Tampa, FL
St. Louis, MO
Plano, TX
Essential Duties:
- Perform routine data entry and validation tasks.
- Initiate third-party orders (title, appraisal, hazard, flood cert, credit, etc.).
- Review and validate loan documents.
- Handle routine calls, emails, and/or chat responses.
- Monitor work queues and intervene as needed.
- Perform other related duties as required and assigned.
- Demonstrate behaviors that are aligned with the organization's desired culture and values.
Qualifications:
- Associate's degree or equivalent work experience.
- Financial Services and, if possible, mortgage industry experience preferred.
- General understanding of applicable Federal, State, and Local Regulations.
Skills and Job-Specific Competencies:
- Proficiency in Microsoft Office.
Travel Requirements: No travel will be required, unless at the client's discretion.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices.
Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24.
Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k).
Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated.
We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves.
Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy.
Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise
Job Ref: 141857
### Place of Work
On-site
### Requisition ID
141857
### Application Email
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Easy ApplyMortgage Loan Officer
Loan processor job in Grand Blanc, MI
Guardian Mortgage Company, Satisfying Customers Since 1965
Guardian Mortgage has been in the mortgage lending and servicing business in Southeastern Michigan and North Central Texas since the 1960s. It is an independently owned and managed company that specializes in originating single family, owner occupied, home mortgages (first mortgages).
Our mission statement is
to personally serve every customer's short-term mortgage needs to ensure their long-term financial success, generation after generation.
Job Description
Each Guardian Mortgage Loan Officer brings happiness and security to our clients by matching them to financially successful home mortgage loans in a timely, accurate and complaint manner.
Provide sales support and strong communication to customers, processors, and management from loan pre-qualification to loan closing.
Complete mortgage applications using GMC loan product system, including initial Mortgage policy and government regulations.
Maintain in good standing all Loan Officer Licenses in State(s) for which Loan Officer is authorized to conduct business and performs services.
Pre-Qualify potential borrowers according to policies and procedures and applicable law, collect and analyze each applicant's financial information and assess financial circumstances to determine whether applicant and property qualify for a particular loan.
Assist potential borrowers in identifying and securing a mortgage loan appropriate for individual financial circumstances.
Make inquiries of verified and documented information with respect to applicant's income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property.
Advise potential borrowers of risks/benefits of loan alternatives, including options & variables. Obtain and present loan options for each type of loan transaction the potential borrower has expressed interest (e.g., a fixed-rate loan, adjustable rate loan, etc.).
Maintain high level knowledge of changes in market conditions, loan products & variations, and compliance.
Consistently hit ongoing deadlines regarding loan originations, etc.
Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state/federal law and regulation.
Other duties as assigned.
Qualifications
Job Competencies are additional components to defining a job that address how we do things. Just as every job requires specific and unique job skills and knowledge, different jobs require specific job competencies needed to perform the job successfully.
Superior internal and external customer service skills, interpersonal and communication skills
Professional and leadership qualities
Ability to maintain confidentiality
Strong planning and organizing skills
Attention to detail
Interpersonal skills
Multi-tasking skills
Computer skills
EDUCATION / EXPERIENCE REQUIREMENTS
Bachelor's degree or extensive relevant experience
List any special certifications, licenses, and/or knowledge requirements for this job:
Proficient in Microsoft Office Suite
NMLS Licensing Required
How many years of directly related job experience are required to be qualified to enter the job?
At least 1 years of directly related experience and training
Additional Information
To apply for this position, please submit a current resume to:
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Easy ApplyMortgage Loan Officer
Loan processor job in East Lansing, MI
Job DescriptionBe You. Be Independent!
Are you an experienced Mortgage Loan Officer, with proven
networking
and
relationship-building
skills, looking to take the next step in your career? If so, we need you!
At Independent Bank we celebrate your unique self and empower you to make a difference. Guided by our core values of
courage, drive, integrity, people focus
and
teamwork
, we provide a supportive environment where you can thrive, grow your career and contribute meaningfully to shaping the financial future of our customers and communities; inspiring financial independence today, with tomorrow in mind.
About the Job:
Join Independent Bank as a Mortgage Loan Officer! We're seeking motivated individuals with a proven track record of success to help our customers achieve their home ownership dreams. Reporting to the Area Mortgage Sales Manager, you'll originate various residential mortgage loans and participate in business development initiatives within your local community. Embrace our mission of
inspiring financial independence today, with tomorrow in mind
by becoming a key player in transforming how our customers finance their homes. Apply now to be part of our driven and innovative team!
Why You Should Apply:
Competitive compensation package.
A knowledgeable, goal-driven, and exciting team of colleagues.
Exposure to different areas of banking and the ability to work with leaders within the industry.
Community-focused events and volunteer opportunities.
What You Will Do:
Solicits residential mortgages through relationships built with realtors, builders, major employers, and community involvement.
Provides service to customers and prospective customers seeking residential mortgages. Such service includes but is not limited to:
Communicate and interview borrowers to determine the best programs available for the borrower's income, asset, and credit profile.
Assist borrowers with the application process utilizing Blend and Encompass.
Ensure necessary documentation is uploaded from the borrower to complete loan applications for submittal to underwriting.
Price and lock interest rates and monitor lock expiration dates.
Assist operations as needed during the process of the loan.
Make appropriate introductions to other departments in the bank to offer borrowers other bank products, if applicable.
Continually network to build relationships, attend functions, provide education and services to realtors, builders, and other partners in the community.
Performs other related duties as assigned.
What We're Looking For:
High school diploma or equivalent education required.
Bachelor's degree or equivalent years of working experience preferred.
3+ years of sales experience, originating real estate mortgage loans preferred.
Excellent interpersonal, presentation, and communication skills.
Proven networking and relationship-building skills.
Be YOU. Be Independent!
Loan Officer - Farm Lane Branch
Loan processor job in East Lansing, MI
The Loan Officer position is responsible for providing a superior member service experience during the consumer loan application process and when responding to member transaction requests. The Loan Officer plays a pivotal role in helping members achieve their financial goals by guiding them through the consumer loan process. Loan Officers respond to member requests for consumer loans and recommend additional products and services that elevate the member's financial wellbeing and perform these tasks with accuracy and efficiency. This role requires a strong understanding of lending regulations, excellent communication and sales skills, and a commitment to providing superior member service. The position requires the ability to work during branch hours, including Saturdays, and supporting other locations to meet needs across the branch network. Full-time branch employees are scheduled up to 40 hours per week.
Work Arrangement: This position is able to work onsite at our Farm Lane branch.
Schedule:
This position requires working a standard 40 hour week during Branch hours of operations
Monday - Thursday 8:45am - 5:45pm
Friday 8:00am - 6:15pm
Rotating Saturdays 8:45am - 1:15pm
Employees work every other Saturday and receive a consistent day off during the week to offset their hours
Scheduled hours could change based on business need and future department growth.
An offer of employment with MSU Federal Credit Union and affiliates is contingent upon the agreed work arrangement (onsite/hybrid/remote) and work location. MSU Federal Credit Union may or may not be able to accommodate temporary or permanent changes to work arrangements or allow employment outside the city and/or state of residency in which the new hire resides at the time of offered employment.
Compensation & Benefits:
Starting at $21/hour dependent on experience
100% Company-Paid Health, Dental, Vision, Life, and Long-Term Disability Premiums
Up to 26 days of PTO within your first year, as well as Volunteer Time Off & 11 Paid Holidays
401(k) with a company match
Tuition Reimbursement
Up to 12 Weeks of Paid Parental Leave
Learn more about our benefits here
Essential Duties & Responsibilities:
Loan Officer I:
Provide superior member service by responding positively to lending and account inquiries with urgency, processing transactions and applications accurately and efficiently, personalizing interactions with recommendations of products and services specific to members' unique needs.
Interview consumer loan and Visa applicants while providing information on products and services that best meet the applicant's needs. Request, verify, and deliver all appropriate documentation to the underwriting department.
Analyze and interpret credit reports to assess financial risk and provide thorough information to inform lending decisions, ensuring compliance with relevant regulations and company policies.
Identify and sell products and services, provide financial education to enhance the member experience, and consistently achieve individual and departmental goals.
Utilize loan follow-up and outbound calling to further develop relationships with current members and loan applicants, offer products and services with measurable success, and ensure completeness and timelines of decisioning and funding of loans.
Demonstrate proficiency in Credit Union product knowledge, services, and fintech partners.
Utilize department and Credit Union procedures to mitigate risk and ensure that member requests and transactions are processed with accuracy, protecting members and the Credit Union from loss.
Display adaptability and flexibility in meeting business needs based on member volume patterns at a branch or throughout the branch network.
Utilize a variety of channels to ensure effective communication and collaboration within the branch, the Consumer Loan Center and throughout the Credit Union to foster a positive and professional relationship while enhancing overall service delivery.
Actively promote and guide members in using Credit Union technology, enhancing their experience and empowering members to manage their finances with ease and confidence.
Complete required departmental activities and trainings to ensure compliance with state and federal regulations and Credit Union policies.
Adhere to safety and security procedures regarding emergency situations, third party access to secure areas, and promptly communicate suspicious activity to leadership.
Follow established processes and guidelines in daily activities, adhering to all applicable laws and regulations, adapting to new information, technology platforms, handling ambiguity and adapting to change.
Manage time efficiently and take initiative within the branch; seek opportunities to develop or enhance knowledge.
Effectively handle escalations by taking ownership, de-escalating concerns with empathy and professionalism, and resolving issues to achieve superior service.
Apply fraud detection strategies, taking steps to mitigate risks, protecting members and the Credit Union.
Consistently meet or exceed established performance metrics, contributing to the Credit Union's goals and delivering a high standard of service.
Loan Officer II:
Master all duties and responsibilities of Loan Officer, consistently demonstrating high performance through established metrics.
Consistently offer products and services to members, achieving individual goals as identified for the position and supporting branch performance.
Perform comprehensive financial analysis to recommend appropriate lending solutions that align with members' financial situations, conducting an in-depth financial analysis of members' income, assets, liabilities, and credit histories to recommend complex lending solutions.
Develop and execute comprehensive fraud detection strategies, identifying complex patterns, and recommending steps to mitigate risks.
Provide detailed information to underwriters on complex loan scenarios, ensuring all necessary documentation is submitted accurately.
Assist with Home Equity applications by submitting member information and documents in a timely and accurate manner.
Support the training of new Loan Officers, assisting with processing loan applications and sharing best practices.
Demonstrate a strong understanding of products and services while using the ability to effectively communicate their features, benefits, and uses to members when recommending solutions.
Contribute to service improvement efforts by resolving complex member inquiries and suggesting process enhancements.
Share knowledge of products, services, and procedures with members and coworkers, presenting relevant topics at meetings as needed.
Enhance the member experience by supporting service initiatives, promoting responsiveness, and recommending tailored solutions that drive member satisfaction and loyalty.
Assist peers to ensure concerns are addressed promptly and professionally, effectively handling escalations, de-escalating concerns with empathy and professionalism, and resolving issues to achieve superior service.
Senior Loan Officer:
Master all duties and responsibilities of Loan Officer and Loan Officer II, consistently demonstrating high performance through established metrics.
Drive team success by supporting individual and branch sales goals through behavior modeling, encouragement, role-playing, training activities, and promotions.
Facilitate adaptation to internal and external business changes, including strategies, structures, procedures, and technology, helping peers navigate transitions smoothly.
Lead proactively by initiating and supporting training sessions, promotions, decision-making processes, and risk assessments.
Exhibit leadership in managing complex member situations and requests, providing guidance and solutions.
Serve as a resource for members and colleagues by offering in-depth knowledge of products, services, and procedures, establishing yourself as a go-to expert across all branches.
Proven ability to mentor effectively to help others identify and address complex fraud situations, ensuring the security and trust of members.
Demonstrated success in training and mentoring new Loan Officers in loan application processing and member interactions, ensuring a high standard of service.
Resolve escalated issues strategically by implementing effective solutions, enhancing service delivery, and mentoring others to prevent future occurrences.
Develop leadership skills by presenting topics at branch meetings, fostering a culture of continuous learning and improvement.
Evaluate and improve processes by offering suggestions to leadership for increased efficiencies, training opportunities, and enhanced member service.
Lead and optimize member service initiatives by developing training programs for team members and driving continuous improvement to elevate the overall member experience.
Job Requirements:
Loan Officer I:
Follow proper balancing and cash handling procedures
Regular and predictable attendance
Demonstrate company core values
Ability to work scheduled hours including, weekend and overtime, when applicable
Receptive to accepting and applying feedback
Strong attention to detail
Proficient in member service
3+ years customer service/sales experience or equivalent desired, with consumer lending experience preferred
Knowledge of lending regulations, credit analysis, and loan origination processes
Demonstrate comprehensive knowledge of consumer lending products, services, and processes
Strong ability to analyze financial and credit data
Excellent listening skills
Professional business etiquette and presentation skills, including maintaining professional workspace
Proficient in sales skills with identifiable results
Critical thinking and problem-solving skills
Effective verbal and written communication skills
Effective teamwork and collaboration skills
Skills in de-escalating and resolving escalating member situations
Effective use of fraud detection and prevention techniques
Adaptability and Flexibility
Analytical skills and the ability to work independently
Math and general clerical aptitude
Ability to multitask and prioritize
Reliable and dependable
Functional knowledge of Credit Union or other financial institution systems, products, services, and procedures preferred
High School Diploma or GED
Loan Officer II:
Master all Loan Officer knowledge, skills, and abilities
In-depth understanding of consumer loan processes, including application and funding procedures
Advanced sales skills with proven ability to fund loans, and the ability to support peers in developing their sales skills
Exceptional communication skills, with the ability to effectively convey complex information to members and co-workers
Advanced skills in de-escalating and resolving member issues, with a proven ability to effectively navigate complex conflicts and guide peers in managing escalated concerns
Proven ability to make complex decisions with the ability to guide others in developing this skill
Represent the department on Credit Union committees, special projects, and initiatives, with professionalism
Work independently, demonstrating accountability while requiring minimal supervision
Emerging leadership skills to mentor with the ability to support training efforts and share best practices with peers
Senior Loan Officer:
Master all Loan Officer and Loan Officer II knowledge, skills, and abilities
Subject matter expert on the loan process including risk identification and mitigation
Comprehensive understanding of consumer loan products, services, and procedures
In-depth knowledge of branch operations, sales strategies, and performance metrics
Well-versed in regulatory requirements and compliance standards in the financial industry
Advanced skill of fraud detection and prevention techniques
Knowledge of training methodologies and best practices for mentoring and coaching
Leadership and team management skills, with the ability to motivate and guide team members
Excellent communication skills, both verbal and written, for effective member and colleague interactions
Analytical skills to evaluate processes and suggest improvements
Advanced sales skills to support branch sales goals and initiatives
Training and development skills to mentor new employees and enhance team performance
Ability to adapt to changes in business strategies, structures, procedures, and technology
Proactive leadership in initiating and supporting training, promotions, and risk assessments
Capability to serve as a resource for in-depth product and service knowledge across branches
Mentoring ability to guide others in identifying and addressing fraud situations
Presentation skills to develop and deliver topics at branch meetings
Continuous improvement mindset to evaluate and enhance processes, training, and member service initiatives
Expertise in advanced de-escalation and resolution of member issues, coupled with exceptional problem-solving and decision-making abilities to navigate complex situations
Strategic thinking to effectively manage and resolve escalated concerns while guiding others
Competencies:
Core Competencies that must be demonstrated by all Credit Union employees include Communicate, Navigate Change & Evolve, Solve Problems & Make Decisions, Plan, Prioritize, and Achieve, and Collaborate. Review the corresponding behaviors here.â¯â¯â¯
Physical Demands & Work Environment:
May be required to remain in a stationary position for an extended period of time
Ability to operate standard office technology, equipment and tools, which may include many hours of computer and phone usage.
Occasionally needs to move about inside of office area
Exposure to potentially hazardous condition, i.e. robbery. Receives detailed instructions and procedures to be followed to minimize the exposure
May be required to bend, reach, stoop, or perform other physical movements as necessary to access files, equipment, or other materials
This position is able to work in onsite working arrangements
Disclaimer:
Note this job description is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and MSU Federal Credit Union reserves the right to change this position description and/or assign tasks for the employee to perform, as MSUFCU may deem appropriate.
MSUFCU is an affirmative-action, equal-opportunity employer.
To perform this job successfully, an individual must be able to perform each essential job duty satisfactorily. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions.
Mortgage Loan Operations Specialist I
Loan processor job in Alma, MI
Join Mercantile Bank as a Full Time Mortgage Loan Operations Specialist I in Alma, MI, and take your career to the next level! This onsite role offers an unparalleled opportunity to thrive in a dynamic, customer-focused environment where innovation and excellence are valued. Collaborate with a passionate team of problem-solvers dedicated to delivering high-quality mortgage solutions that make a meaningful difference in the lives of our customers. Experience the thrill of working in a fast-paced, energetic atmosphere that encourages forward-thinking and inclusivity.
Core Responsibilities:
* Process and Maintain Loan Records: Onboard consumer loans into the core banking system accurately, perform loan account maintenance, and address non-posted transactions using mortgage software and Microsoft Excel.
* Analyze Reports and Reconcile Ledgers: Review system reports, research and resolve discrepancies, and ensure accuracy by reconciling departmental general ledgers.
* Provide Customer Support and Communication: Handle internal and external inquiries by phone, offering clear and timely assistance on loan-related matters while fostering effective communication.
Why Mercantile?
Mercantile Bank was founded by entrepreneurs who believed building strong relationships and communities is accomplished through collaboration and innovation. It's more than being a financial institution, it's being a trusted ally and community partner. As Michigan's largest community bank, our roots are deeply embedded in the diverse communities we serve. Our commitment to our customers and community is at the core of all we do.
As an employee of Mercantile Bank, you will receive competitive compensation, bonus opportunities, and best-in-class benefit options. With a minimum of 3 weeks' vacation, sick time, 11 paid holidays, generous 401k match of 5%, company paid life insurance, tuition reimbursement, IVF and adoption assistance, zero-interest loans for fitness equipment and business attire, discounted bank services, employee stock purchase plan, 529 savings plans, health savings accounts, flexible spending accounts, legal protection, exceptional training and development opportunities, and encouragement to connect with community through volunteer opportunities.
A Look into Your Day
As a Mortgage Loan Operations Specialist I at Mercantile Bank, you will play a crucial role in ensuring the seamless onboarding of consumer loans into our core banking system. This position involves processing loan account maintenance and addressing non-posted transactions with precision and diligence. You'll analyze and review reports for any anomalies while employing your research skills to resolve adjustments efficiently.
Your day-to-day activities will include working with both mortgage software systems and Microsoft Excel to book retail loans through integration and manual data input. Additionally, you will maintain accurate loan records, verify maintenance tasks, and reconcile the department's general ledgers. With frequent phone interactions, you will assist internal and external customers, answering loan-related inquiries and facilitating effective communication in a high-energy environment.
This multifaceted role is ideal for someone who thrives on collaboration, problem-solving, and a commitment to excellence.
What We're Looking For
To excel as a Mortgage Loan Operations Specialist I at Mercantile Bank, strong analytical and problem-solving skills are essential. A background in banking operations or a related role, with 1-3 years of experience, will provide a solid foundation for success in this position. Familiarity with accounting principles, combined with a proficient knowledge of Microsoft Office, particularly Excel, is critical for managing loan data and reports. Preferred candidates will have experience in bank loan operations, including loan loading and maintenance, as well as an understanding of lending regulations and mortgage loan documentation. The ability to communicate effectively and collaborate within a fast-paced team environment is vital, enabling you to address customer inquiries and provide solutions with accuracy and professionalism. Your attention to detail will ensure that all tasks are completed efficiently and in compliance with regulatory standards.
Requirements:
* 1-3 years job related experience in the following areas: banking operations or a similar role
* Accounting background
* Proficient knowledge of computer programs such as Microsoft Office.
* Lending regulations and mortgage loan documentation
Construction Loan Processor
Loan processor job in Fenton, MI
Job DescriptionDescription:
Construction Loan Processor
Non-Exempt - Grade Level 5
Equal Employment Opportunity
Corporate Values & Mission
“Provide superior service, quality advice and show our utmost respect to everyone we meet.”
General Summary
Acts as the Draw Expert for various functions related to the Construction Draw process and other construction servicing duties. Handles complex draws, loan modifications and loan conversions.
Reports To: Secondary Market and Construction Team Lead
Essential Duties and Responsibilities
Meets with builders, borrowers, and title companies on the draw process. Maintains up to date Welcome Packet for new construction files.
Confers with customer by telephone in attempt to determine matters related to construction draws, insurance claims, construction loan modifications, construction term outs and general loan servicing matters.
Assists with escalated project conflicts, to include in person meetings with all applicable parties. Works with Department Supervisor to assist in resolution when necessary.
Initiates contact with customers, builders, and title companies for the purpose of maintaining good relations and error resolution.
Expert on construction draw process to include draws, monitoring of construction loan files for percentage of completion, and disbursements.
Identifies loans for conversion of payment schedules to standard P&I payments, processes as necessary.
Reviews final draw process (ex: refund of excess inspection fees and construction funds, final document checklist), processes as necessary with approval.
Assists with hazard and flood insurance claim re-construction processes, including draws, inspections, and disbursements.
Prepares appropriate recalculations for pay-downs and prepare modification recommendations and reviews completed modifications, processes as necessary with approval.
Processes new builder applications.
Maintains Approved Builder List, Self-Built and Denied Builder Lists.
Maintains current knowledge of laws/regulations, policies/procedures which affect job function.
Assists with implementation and changes in technology to improve efficiency and effectiveness of routine jobs. Maintains current knowledge of laws/regulations, policies/procedures which affect job function.
Additional responsibilities as assigned.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
Be familiar with and comply with all federal and state banking regulations as applicable
Competencies
In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:
Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.
Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Requirements:
Qualifications
To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.
Experience and/or Education
High School Diploma or Equivalent
One to two years related experience and/or training; or equivalent combination
Physical Demands and Work Environment
Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.
Loan Processor
Loan processor job in East Lansing, MI
At GreenStone Farm Credit Services, we're seeking a dedicated and customer-focused Loan Processor to be the cornerstone of our exceptional service for our agriculture segment. This role stands as a vital pillar within our team, directly contributing to our seamless loan processing and loan documentation operations. As a Loan Processor at our organization, you'll have the opportunity to make a significant impact by fostering customer relationships and collaborating closely with our dedicated association staff.
Working Hours: Enjoy a consistent schedule of 8am-4:30pm, Monday - Friday in the office, providing you with a stable work-life balance.
Location: Based in our East Lansing, MI office, you'll have the opportunity to contribute to the local community while being an integral part of our organization.
Get to know GreenStone
Our $15 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.
Culture
Core Four values steer everything we do at GreenStone. Customer First, Delivery Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.
What can we offer you?
GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.
GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:
* 15 vacation days, 12 sick days, and 12 paid holidays per year
* Paid Parental Leave
* 401(k) plan - up to a 9% employer contribution/match
* Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.
* $150/year Logo Wear allowance
* $400/year Wellness Subsidy/Reimbursement & wellness programs
* $6,000 lifetime maximum Education Assistance/Student Debt repayment program
* Yearly bonus/incentive opportunity available to all employees
Day in the life of a Loan Processor
* From collecting, coordinating, and uploading documentation to facilitating loan closings, your role will touch every aspect of the loan process to ensure accuracy and customer satisfaction.
* Responsible for clearing any approval conditions as outlined by legal or credit.
* You'll be involved in tasks ranging from data entry, loan servicing, property management coordination, and supply ordering.
* Other tasks include ordering title commitments, flood insurance, appraisals, generating loan documents, reading legal descriptions, and working closely with the loan officer and borrower to clear exceptions prior to closing.
* Providing excellent internal and external customer service will be at the core of your daily interactions.
* This role will also consist of daily customer interactions, answering incoming calls, receipting payments, and disbursing funds.
What Experience can you Bring?
* HS Diploma or Equivalent
* 2 + years customer service or office experience required.
What sets you Apart?
You will really stand out if you have the following:
* Mortgage, loan or title experience
* Communication Expert: Excellent verbal and written communication skills to maintain relationships and provide status updates.
* Detail-Oriented: Strong attention to detail to accurately enter and verify data.
* Problem Solver: Ability to resolve issues efficiently and effectively.
* Multitasking Pro: Skilled in managing multiple tasks and priorities.
GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.
Home Loan Specialist II
Loan processor job in Lansing, MI
About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards
Position Summary:
SolomonEdwards is looking for a Home Loan Specialist II for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives.
Position Locations:
Phoenix, AZ
Tampa, FL
St. Louis, MO
Plano, TX
Essential Duties:
- Perform complex data and document validation.
- Troubleshoot third-party orders (title, appraisal, hazard, flood cert, credit, etc.).
- Handle more complex calls, emails, or chat sessions.
- Complete appraisal eligibility tasks.
- Evaluate loan applications for compliance with product guidelines.
- Perform other related duties as required and assigned.
- Demonstrate behaviors that are aligned with the organization's desired culture and values.
Qualifications:
- Associate's degree or equivalent work experience.
- Proficiency in Microsoft Office.
- Financial Services and, if possible, mortgage industry experience preferred.
- General understanding of applicable Federal, State, and Local Regulations.
Travel Requirements: No travel will be required, unless at the client's discretion.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices.
Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24.
Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k).
Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated.
We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves.
Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy.
Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise.
Job Ref: 141859
### Place of Work
On-site
### Requisition ID
141859
### Application Email
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Easy ApplyMortgage Loan Officer
Loan processor job in Grand Blanc, MI
Guardian M ortgage Company, Satisfying Customers Since 1965 Guardian Mortgage has been in the mortgage lending and servicing business in Southeastern Michigan and North Central Texas since the 1960s. It is an independently owned and managed company that specializes in originating single family, owner occupied, home mortgages (first mortgages).
Our mission statement is
to personally serve every customer's short-term mortgage needs to ensure their long-term financial success, generation after generation.
Job Description
Each Guardian Mortgage Loan Officer brings happiness and security to our clients by matching them to financially successful home mortgage loans in a timely, accurate and complaint manner.
Provide sales support and strong communication to customers, processors, and management from loan pre-qualification to loan closing.
Complete mortgage applications using GMC loan product system, including initial Mortgage policy and government regulations.
Maintain in good standing all Loan Officer Licenses in State(s) for which Loan Officer is authorized to conduct business and performs services.
Pre-Qualify potential borrowers according to policies and procedures and applicable law, collect and analyze each applicant's financial information and assess financial circumstances to determine whether applicant and property qualify for a particular loan.
Assist potential borrowers in identifying and securing a mortgage loan appropriate for individual financial circumstances.
Make inquiries of verified and documented information with respect to applicant's income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property.
Advise potential borrowers of risks/benefits of loan alternatives, including options & variables. Obtain and present loan options for each type of loan transaction the potential borrower has expressed interest (e.g., a fixed-rate loan, adjustable rate loan, etc.).
Maintain high level knowledge of changes in market conditions, loan products & variations, and compliance.
Consistently hit ongoing deadlines regarding loan originations, etc.
Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state/federal law and regulation.
Other duties as assigned.
Qualifications
Job Competencies are additional components to defining a job that address how we do things. Just as every job requires specific and unique job skills and knowledge, different jobs require specific job competencies needed to perform the job successfully.
Superior internal and external customer service skills, interpersonal and communication skills
Professional and leadership qualities
Ability to maintain confidentiality
Strong planning
and organizing skills
Attention to detail
Interpersonal skills
Multi-tasking skills
Computer skills
EDUCATION / EXPERIENCE REQUIREMENTS
Bachelor's degree or extensive relevant experience
List any special certifications, licenses, and/or knowledge requirements for this job:
Proficient in Microsoft Office Suite
NMLS Licensing Required
How many years of directly related job experience are required to be qualified to
enter
the job?
At least 1 years of directly related experience and training
Additional Information
To apply for this position, please submit a current resume to:
***********************
Easy ApplyLoan Servicing Specialist
Loan processor job in Lansing, MI
Responsible for receiving, reviewing, and processing loan packets for indirect car and merchant loans. Responsible for handling consumer credit disputes or related loan problems. Receives written credit disputed for Credit Bureaus, researches payment histories and related credit documents, and works to find satisfactory resolutions to problems. Corrects credit ratings and loan reporting as appropriate. Maintains records and statistics on assigned Department activities. Responsible for verifying auto loan payoffs and mailing out release of liens. Responsible for processing loan correction and skip a payment requests. Assists Vice President of Lending and Consumer Loan Servicing Manager with special projects and assignments as needed. Professionally assists members and vendors and notifies them as needed. Performs related clerical duties as required as well as answers and directs telephone calls. Completes related reports and records and maintains files.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
1. Assumes responsibility for the effective and timely performance of processing functions and processing indirect loan packets.
a. Receives member and branch phone calls and resolves inquiries or refers appropriately
b. Receives, verifies and processes indirect dealer packets. Verifies income and employment for each packet (unless waived). Contacts Consumer Loan Officer about any discrepancies in approval values. Contacts the dealership about any needed or missing information. Mails out appropriate member information.
c. Processes payoffs, verify accounts in good standing and mail out release of liens. Process guarantee release of lien requests according to guidelines.
d. Processes extension requests via Skip A Payment promotion. Verify account and loan standing, process requests, mail out denial letter and call member.
e. Processes loan corrections as requested by authorized personnel. Researches payment histories, reverses payments, corrects due dates, payment history, interest calculation, late fees.
f. Processes collateral protection insurance (CPI) premiums and refunds. Adjusts payment amount and due date accordingly. Works with MSRs and vendors to ensure accurate information is on file. Processes insurance waivers according to guidelines.
g. Handles Credit Bureau disputes regarding delinquent loans, closing dates, joint loan responsibility, credit ratings, document errors or related problems. Receives disputes, obtains and conveys information as needed, and works to find a satisfactory solution. Refers problems as appropriate
h. Corrects credit ratings and loan reporting as appropriate. Ensures that disputes are resolved tactfully and promptly, and in accordance with Credit Union policies and procedures. Records member complaints, related information and resolutions as appropriate.
i. Assists in writing procedures for job duties and training other department personnel
j. Assists Consumer Loan Servicing Manager and VP of Lending with special projects and assignments as needed. Follow up with vendors, draft letters to members, research current market prices.
2. Assumes responsibility for establishing and maintaining professional business relations with members, institutions, and merchants.
a. Obtains and conveys information as needed. Composes correspondence as needed.
b. Resolves (or refers) questions and requests promptly and courteously.
c. Keeps members informed of Credit Union services and policies.
d. Assists in counseling members whose skip a pay, or storage insurance requests were denied, explaining reasons while offering alternatives
e. Maintains and projects the Credit Union's professional reputation.
f. Maintains confidentiality.
g. Maintains and updates files, records and documents
h. Completes miscellaneous reports as assigned.
3. Assumes responsibility for establishing and maintaining effective coordination and working relations with Credit Union personnel and with management.
a. Assists branches and related departments as needed. Answers questions and resolves problems as needed.
b. Supports and replaces Lending personnel as needed.
c. Keeps management informed of area activities and of any significant problems.
d. Attends and participates in meetings as required.
e. Completes records and reports promptly and accurately.
f. Assists in training and cross-training personnel
g. Completes additional projects as may be assigned
4. Assumes responsibility for related duties as required or assigned.
a. Ensures that work area is clean, secure, and well maintained.
b. Copies and distributes requests and re-presentments.
c. Completes special projects as assigned.
Stays abreast of changes in loan services operations and policies.
e. Replaces area personnel as needed
PERFORMANCE MEASUREMENTS
1. Credit Bureau disputes and complaints are handled in accordance with established Credit Union policies. Disputes are received and researched and resolutions that support both Credit Union interests and member needs are reached.
2. Recordkeeping errors or discrepancies are identified and resolved. Credit ratings and loan reporting documents are corrected as necessary
3. Problem accounts are researched and promptly resolved.
4. Professional business relations exist with members, institutions, and businesses. Assistance is provided as needed.
5. Good working relations exist with Credit Union personnel. Assistance and support are provided as required. Management is properly informed.
6. Management is appropriately informed of area activities.
7. Loan processing functions are completed in accordance with established policies and procedures
8. Files are accurate and up-to-date. Required reports and documentation are accurate and timely.
9. Attends needed training and education sessions
QUALIFICATIONS
Education/Certification: High school graduate or equivalent.
Required Knowledge: None
Experience Required: 6 months to a year of related experience preferred.
Skills/Abilities: Excellent communication and public relations skills.
Solid math skills. Able to analyze accounts.
Attentive to detail.
Well organized.
Ability to assist others.
Able to use PC, calculator, phone, and all related business equipment.
INTENT AND FUNCTION OF S
s assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well constructed s are an integral part of any effective compensation system.
All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
In accordance with the American with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.
CASE Credit Union was chartered on February 19, 1936, to serve Lansing area teachers and administrators as Lansing Teachers Credit Union. From operating within Lansing High School with 180 members, today, over 85 years later, we serve a membership of over 45,000 members and operate five branches throughout the Greater Lansing area, while controlling over $384 million in assets. We pride ourselves on living our mission of assisting members and employees to achieve financial success through service that is superior, convenient, and easy to use. CASE is a Community Development Credit Union (CDCU). A CDCU is a credit union with a mission of serving low and moderate-income people and communities.
CASE prides itself on having a culture focused on diversity and inclusion, reflected in having received the 2020 Lansing Area Economic Partnership (LEAP) Diversity award. Additionally, at CASE Credit Union, we're committed to hiring the best and brightest. Just as we are dedicated to helping our members achieve success, we are dedicated to helping our employees grow and thrive. That's why we are proud to offer a team-oriented working environment, with competitive salaries and benefits, and countless opportunities for growth and advancement. CASE Credit Union offers affordable medical, dental, and vision and provides disability insurance and life insurance to our employees at no cost to them. We also provide tuition reimbursement for those who desire to continue their education while working with us. Come work with CASE Credit Union and experience exciting career opportunities in the financial industry.
Auto-ApplyLoan Review Analyst
Loan processor job in Fenton, MI
Exempt - Grade Level 6
Equal Employment Opportunity
Corporate Values & Mission
“Provide superior service, quality advice and show utmost respect to everyone we meet.”
Review and analyze all types of credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Coordinate and prepare individual authority loan reviews. Review appraisals and complete property evaluations. Prepare and compile various key management reports.
Reports To: AVP Loan Review Supervisor
Essential Duties and Responsibilities
Evaluate the activities of lending officers, credit, and loan support staff regarding adherence to internal credit and loan policy.
Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same.
Assess the adequacy adherence to internal credit and loan administration policies and procedures.
Coordinate Appraisal/Environmental Order and Review processes and complete Reviews as assigned and in accordance with guidelines.
Provide special reviews as requested to assess the state of certain loan portfolio segments.
Input financial statement spreads using Flash Spread.
Analyze, interpret or make deductions from factors or circumstances related to the department and role.
Analyze, interpret or make deductions from factors or circumstances related to the essential duties of the position.
Qualifications
To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.
Experience and/or Education
Bachelor's Degree or equivalent
Minimum three (3) of review experience; or equivalent combination of education and experience
Computer knowledge - Windows, Microsoft Office
Working knowledge of Banking
Competencies
In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills:
Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively.
Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.
Adaptability - Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.
Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.
Judgment - Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Business Acumen - Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals.
Physical Demands and Work Environment
Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.
Mortgage Loan Operations Specialist I
Loan processor job in Alma, MI
Job Description
Join Mercantile Bank as a Full Time Mortgage Loan Operations Specialist I in Alma, MI, and take your career to the next level! This onsite role offers an unparalleled opportunity to thrive in a dynamic, customer-focused environment where innovation and excellence are valued. Collaborate with a passionate team of problem-solvers dedicated to delivering high-quality mortgage solutions that make a meaningful difference in the lives of our customers. Experience the thrill of working in a fast-paced, energetic atmosphere that encourages forward-thinking and inclusivity.
Core Responsibilities:
Process and Maintain Loan Records: Onboard consumer loans into the core banking system accurately, perform loan account maintenance, and address non-posted transactions using mortgage software and Microsoft Excel.
Analyze Reports and Reconcile Ledgers: Review system reports, research and resolve discrepancies, and ensure accuracy by reconciling departmental general ledgers.
Provide Customer Support and Communication: Handle internal and external inquiries by phone, offering clear and timely assistance on loan-related matters while fostering effective communication.
Why Mercantile?
Mercantile Bank was founded by entrepreneurs who believed building strong relationships and communities is accomplished through collaboration and innovation. It's more than being a financial institution, it's being a trusted ally and community partner. As Michigan's largest community bank, our roots are deeply embedded in the diverse communities we serve. Our commitment to our customers and community is at the core of all we do.
As an employee of Mercantile Bank, you will receive competitive compensation, bonus opportunities, and best-in-class benefit options. With a minimum of 3 weeks' vacation, sick time, 11 paid holidays, generous 401k match of 5%, company paid life insurance, tuition reimbursement, IVF and adoption assistance, zero-interest loans for fitness equipment and business attire, discounted bank services, employee stock purchase plan, 529 savings plans, health savings accounts, flexible spending accounts, legal protection, exceptional training and development opportunities, and encouragement to connect with community through volunteer opportunities.
A Look into Your Day
As a Mortgage Loan Operations Specialist I at Mercantile Bank, you will play a crucial role in ensuring the seamless onboarding of consumer loans into our core banking system. This position involves processing loan account maintenance and addressing non-posted transactions with precision and diligence. You'll analyze and review reports for any anomalies while employing your research skills to resolve adjustments efficiently.
Your day-to-day activities will include working with both mortgage software systems and Microsoft Excel to book retail loans through integration and manual data input. Additionally, you will maintain accurate loan records, verify maintenance tasks, and reconcile the department's general ledgers. With frequent phone interactions, you will assist internal and external customers, answering loan-related inquiries and facilitating effective communication in a high-energy environment.
This multifaceted role is ideal for someone who thrives on collaboration, problem-solving, and a commitment to excellence.
What We're Looking For
To excel as a Mortgage Loan Operations Specialist I at Mercantile Bank, strong analytical and problem-solving skills are essential. A background in banking operations or a related role, with 1-3 years of experience, will provide a solid foundation for success in this position. Familiarity with accounting principles, combined with a proficient knowledge of Microsoft Office, particularly Excel, is critical for managing loan data and reports. Preferred candidates will have experience in bank loan operations, including loan loading and maintenance, as well as an understanding of lending regulations and mortgage loan documentation. The ability to communicate effectively and collaborate within a fast-paced team environment is vital, enabling you to address customer inquiries and provide solutions with accuracy and professionalism. Your attention to detail will ensure that all tasks are completed efficiently and in compliance with regulatory standards.
Requirements:
1-3 years job related experience in the following areas: banking operations or a similar role
Accounting background
Proficient knowledge of computer programs such as Microsoft Office.
Lending regulations and mortgage loan documentation
Job Posted by ApplicantPro
Loan Review Analyst
Loan processor job in Fenton, MI
Job DescriptionDescription:
Loan Review Analyst
Exempt - Grade Level 6
Equal Employment Opportunity
Corporate Values & Mission
“Provide superior service, quality advice and show utmost respect to everyone we meet.”
General Summary
Review and analyze all types of credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Coordinate and prepare individual authority loan reviews. Review appraisals and complete property evaluations. Prepare and compile various key management reports.
Reports To: AVP Loan Review Supervisor
Essential Duties and Responsibilities
Evaluate the activities of lending officers, credit, and loan support staff regarding adherence to internal credit and loan policy.
Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same.
Assess the adequacy adherence to internal credit and loan administration policies and procedures.
Coordinate Appraisal/Environmental Order and Review processes and complete Reviews as assigned and in accordance with guidelines.
Provide special reviews as requested to assess the state of certain loan portfolio segments.
Input financial statement spreads using Flash Spread.
Analyze, interpret or make deductions from factors or circumstances related to the department and role.
Analyze, interpret or make deductions from factors or circumstances related to the essential duties of the position.
Qualifications
To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.
Experience and/or Education
Bachelor's Degree or equivalent
Minimum three (3) of review experience; or equivalent combination of education and experience
Computer knowledge - Windows, Microsoft Office
Working knowledge of Banking
Competencies
In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills:
Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively.
Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.
Adaptability - Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.
Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.
Judgment - Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions.
Business Acumen - Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals.
Physical Demands and Work Environment
Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.
Requirements:
Mortgage Closer
Loan processor job in Lansing, MI
About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards
Position Summary:
SolomonEdwards is looking for a Mortgage Closer for one of its mortgage clients to play a vital role in the final stages of the mortgage lending process. You will ensure a smooth and efficient closing experience for all parties involved.
Position Locations:
Phoenix, AZ
Tampa, FL
St. Louis, MO
Plano, TX
Essential Duties:
- Review and analyze loan data, ensuring accuracy and completeness.
- Prepare and assemble closing documents, including the final closing disclosure and settlement statements.
- Communicate effectively with borrowers, loan officers, processors, title companies, and other parties involved in the transaction.
- Coordinate closing logistics, scheduling signings, and ensuring all necessary documentation is accurate.
- Ensure compliance with all federal, state, and investor loan closing regulations.
- Maintain accurate closing schedules and deadlines.
Qualifications:
- Associate's degree or equivalent work experience.
- Financial Services and, if possible, mortgage industry experience preferred.
- General understanding of applicable Federal, State, and Local Regulations.
Skills and Job-Specific Competencies:
- Proficiency in Microsoft Office.
Travel Requirements: No travel will be required, unless at the client's discretion.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices.
Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24.
Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k).
Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated.
We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves.
Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy.
Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise.
Job Ref: 141863
### Place of Work
On-site
### Requisition ID
141863
### Application Email
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Easy ApplyRetail Mortgage Loan Officer
Loan processor job in Grand Blanc, MI
Guardian M ortgage Company, Satisfying Customers Since 1965 Guardian Mortgage Company, Satisfying Customers Since 1965 Guardian Mortgage has been in the mortgage lending and servicing business in Southeastern Michigan and North Central Texas since the 1960s. It is an independently owned and managed company that specializes in originating single family, owner occupied, home mortgages (first mortgages).
Our mission statement is to personally serve every customer's short-term mortgage needs to ensure their long-term financial success, generation after generation.
In support of our growth projections, we are looking for strong candidates with a desire to help us grow, both within our current footprint and beyond. Successful candidates possess not only the requisite skills and abilities, but also the drive and desire to become an integral part of a fast growing organization with a strong history steeped in quality and customer focus.
Job Description
Are you ready to reach your full potential?!
If you are an assertive, independent and highly motivated sales professional who likes achieving goals with others, working in a face-paced environment where you can achieve you full potential through prioritizing productive activities while a support framework assists with the details, then we want to speak with you.
Guardian Mortgage, a fast-growing, Dallas headquartered mortgage banker with a mortgage legacy that spans over 50 years and 200,000+ transactions is expanding its market share by adding professional salespeople to originate residential mortgage loans in Texas, Michigan, Arizona and our newest offices in New Mexico!
You should apply for this position if:
You're concerned about your company's ability to close your loans on time.
You're sick and tired of spending your time on non-productive activities that don't generate new loan opportunities.
You are disappointed that your company is not providing adequate support for your origination activities or have a sneaking suspicion that your existing support may disappear.
You're unhappy that you have capped out your current earning potential because you lack the marketing, business development and social media resources necessary to grow your pipeline.
You fear your current employer is not interested in your professional development.
Apply only if:
You have proven your ability to produce consistently at a monthly volume of five or more closed loans from self-sourced referrals.
You are motivated to join a platform that can double your income over the next 18 months.
Place great value on customer service and even greater value on building relationships.
You invest your time and money into your personal development to improve your selling skills.
You define your success by the client's willingness to confidently refer you to others.
You will receive excellent training and transitional loan support.
Qualifications
Experience as a Retail Loan Officer originating loans.
Currently possesses NMLS licensure.
Additional Information
To apply for this position, please submit a current resume to:
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Easy Apply