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Careers

Career

Senior Loan Officer

Code: 00062013

Posed On: 2013-08-12

Department: Sales

Shift: Flex

Location: Remote

Job Type: Full Time

Education: Some College

Travel: No

Job Description: Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to Senior Management or Loan Committee. Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. Responsible for evaluating credit worthiness and preparing file for underwriting that represents the borrowers’ ability to qualify for a mortgage loan in the amount requested with the collateral desired. Responsible for obtaining and verifying information, appraisal and title. Interviews and counsels members; check qualifications for approval. Closes loan files. Ability to submit complete loan application packages Ability to maintain quotas as defined Any other duties as directed

Skills: High School Diploma or equivalent (College Degree Preferred) 2-3 years of experience in a professional office/sales position or 3 years of experience in a mortgage or mortgage related field Good written, electronic, and verbal communication skills Proficient in basic operation of Microsoft Windows and Office Suite Ability to appropriately and tactfully handle confidential information Great telephone etiquette Good organizational and project tracking skills

Funding Manager

Code: 00022013

Posed On: 2013-08-01

Department: Loan Operations

Shift: Day

Location: Shelby Township, MI Corporate Office 51650 Oro Rd, Shelby Twp, MI 48363

Job Type: Full Time

Education: 2 Year Degree

Travel: No

Job Description: Able to complete the duties of a Funding Manager Duties include preparing, packaging and funding documents and finalizing and filing customer files. Responsible for ensuring accuracy in loan closing process. Familiar with standard concepts, practices, and procedures within a particular field. Accurately review loan application data and communicate loan status updates Able to complete the appropriate loan processing procedure as directed Communicating appropriate information and documents to and from the loan originators and other staff in a timely manner Any other duties as directed. Knowledge of the preparation of mortgage closing documents and Compliance (Final Truth In Lending and GFE fee requirements) Ability to communicate and coordinate closing documentation and timing with the Closing Agent Highly accurate in the input of data in the creation of the mortgage closing documents

Skills: High School Diploma or equivalent 1 year of experience in a Mortgage company/Bank as a Closer/Funder Proficient in basic operation of Microsoft Windows and Office Suite Ability to appropriately and tactfully handle confidential information Good organizational and project tracking skills NMLS-MLO Licensure will be a great benefit Associates degree or equivalent work experience Basic knowledge of loan closing documentation Solid working knowledge of Microsoft Windows and Office

Mortgage Sales Associate

Code: 00032013

Posed On: 2013-08-01

Department: Inside Sales

Shift: Day

Location: Shelby Township, MI Corporate Office 51650 Oro Rd, Shelby Twp, MI 48363

Job Type: Full Time

Education: High School

Travel: No

Job Description: Answer incoming and initiate outgoing lead calls Pre-qualify mortgage leads by gathering appropriate information and completing the prescribed data entry Ability to maintain quotas as defined Follow up on mortgage leads during the pre-qualification process Communicating appropriate information and paperwork to the loan officers and other staff in a timely manner Accurately notate all customer interactions in according to current procedure Any other duties as directed.

Skills: High School Diploma or equivalent Typing speed of 30 wpm and/or data entry speed of 4000 kph with 90% accuracy Good written, electronic, and verbal communication skills Proficient in basic operation of Microsoft Windows and Office Suite Ability to appropriately and tactfully handle confidential information Good telephone etiquette Good organizational and project tracking skills

Senior Loan Processor

Code: 00042013

Posed On: 2013-08-01

Department: Loan Processing

Shift: Day

Location: Shelby Township, MI Corporate Office 51650 Oro Rd, Shelby Twp, MI 48363

Job Type: Full Time

Education: 2 Year Degree

Travel: No

Job Description: Able to complete the duties of a Sr. Loan Processor including leading and directing the work of others Accurately review loan application data and communicate loan status updates Able to complete the appropriate loan processing procedure as directed Communicating appropriate information and documents to and from the loan originators and other staff in a timely manner Any other duties as directed.

Skills: Associates degree or equivalent work experience 6 years of experience in a Mortgage Processing position with one year as a Senior Processor Ability to appropriately and tactfully handle confidential information Great written, electronic, and verbal communication skills Solid working knowledge of Microsoft Windows and Office

Senior Mortgage Underwriter

Code: 00052013

Posed On: 2013-08-01

Department: Loan Operations

Shift: Day

Location: Shelby Township, MI Corporate Office 51650 Oro Rd, Shelby Twp, MI 48363

Job Type: Full Time

Education: Some College

Travel: No

Job Description: Underwrites residential mortgage loans in accordance with FHA/HUD and internal guidelines ensuring compliance with company and investor standards. Able to clearly communicate FHA, corporate, and investor guidelines to customers, loan processors, and sales associates. Able to make timely, accurate decisions on all FHA transactions. Acts as secondary review and escalation point for conventional loans and government loans. Has thorough knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis. May provide training/mentoring to underwriters, loan processors, and sales associates. Underwriting and disposition of residential mortgages for all product lines Ensure highest level of compliance, appraisal analysis, and fraud mitigation Working with senior management to establish credit policy, appraisal policy and underwriting signing authority Functions will include but are not limited to, reviewing assets, financial statements, credit reports, applicable ratios, income documentation, appraisal and title. Provide excellent customer service skills; interface with all internal departments and any additional duties as required by direct supervisor.

Skills: Business Degree preferred but not required 3-6 years of strong mortgage underwriting experience Excellent written and verbal communication skills are a must FHA experience and/or DE certification are a plus VA underwriting experience is a plus Experienced conventional underwriter Strong eye for detail required, any additional experience with QC is a plus Must have valid DE/CHUMS ID SAR and LAPP, VA Automatic approved for VA Underwriting