Senior Mortgage Processor

Primary Location(s) :  Naples, Fort Myers, Cape Coral, or Port Charlotte, FL

Employee Status : full-time hourly

Estimated Hours / Week : 38 hours / week

What You’ll Get : (note varied offerings based on role and hours)

Weekly Pay

Comprehensive Health & Wellness package including Medical (with prescription coverage), Dental, and vision

Matching Health Savings Account Contributions, Dependent Care flexible spending account (FSA)

Retirement options like 401 (k) with company match and pension.

Paid time off : Vacation, Personal days, paid holidays, paid volunteer time, sick days, & flex time.

Tuition reimbursement

To see a full list of our benefit offerings – check out this !

About this position :

LMCU is looking for a Senior Mortgage Processor who will be responsible for gathering the necessary paperwork and documentation required for someone to apply for a mortgage loan. Duties include carefully reviewing complex mortgage applications to confirm all essential fields have been appropriately completed as well as organizing additional application materials. This role will serve as the main point of contact for the borrower, real estate agent, mortgage loan originator, and mortgage underwriter, from origination through closing.

What you’ll do :

Demonstrates a high level of communication utilizing phone and email tools, providing service excellence at all times with the borrower as well as internal and external members.

Reviews underwriting decisions, prepares decision letters, and works with applicants to obtain any additional documents needed for final approval. Works with outside vendors to obtain appraisals and title documents in a timely manner while also staying in contact with the borrower and internal partners in order to complete the loan process.

Processes complex mortgage loan applications, including, but not limited to, conventional, government, bond / DPA, and new construction. Reviews credit reports, income and asset documentation, and confirms all documentation meets requirements to move forward with an underwriting decision.

Finalizes the loan processing stage by preparing loans for submission to Closing Department. This includes, but is not limited to, obtaining homeowners insurance, payoffs, and coordination with Title Department as well as with internal partners in setting closing dates.

What You’ll Bring :

Four or more years of mortgage loan and / or processing experience or training.

Bilingual English / Spanish language skills are preferred, but not required

Experience with different types of mortgage loans, escrow and ARM requirements.

Experience working in a fast-paced, deadline-oriented environment.

Advanced knowledge of the AllRegs website strongly preferred.

Must be able to communicate effectively, in both written and oral forms.

Must be able to work independently as well as with other internal partners.

Effective time management skills are critical in this fast-paced environment.

Who We Are :

We’re proud of our past, thrilled with our present, and couldn’t be more excited about our future! Lake Michigan Credit Union has grown to become one of the largest credit unions in the nation with our headquarters in West Michigan.

As a credit union, LMCU is a not-for-profit institution, owned by its members, instead of corporate stock holders. We are accountable directly to our members, and they directly share in our success – benefitting by lower and fewer fees, better savings and checking interest rates, lower cost mortgages and a host of other advantages that simply don’t exist at traditional banks.

It’s about always doing what’s best and right for our members - it guides everything we do.

From friendly, knowledgeable and professional employees who greet you by name, to offering stellar value at every turn, LMCU works for its members.

Working with LMCU you can grow and advance in your career and work with talented teams that help you become better each and every day. As an employee you can have confidence in knowing your work is having an impact by supporting our mission of serving our members’ lifetime financial needs.

You’ll be encouraged to innovate and excel and we're committed to your empowerment as an employee, providing ongoing training, development, support, and opportunities for you to achieve your career goals.

Have additional questions about the role?

You may email us at : .

If you lack access to the internet or internet connectivity, or have a disability that hinders your ability to apply online, please choose one of the following options to obtain assistance :

Call us at : (616) 242-9790

Mail your resume to : 5664 Prairie Creek Drive, Caledonia, MI 49316

Please Note : These options are reserved for use by individuals requesting an accommodation as a candidate. Information received via these options will be routed to our HR team, who will provide appropriate assistance to facilitate the completion of LMCU’s online application.