Senior Mortgage Processor - Float

The Senior Mortgage Processor - Float position is responsible for supporting the Mortgage Processing team as a whole. This role will provide coverage as needed to ensure that mortgage loan applications continue moving forward and close on time. This role will maintain close contact with the borrower, real estate agent, mortgage loan originator, and mortgage underwriter through the entire loan process on all loans assigned. Additional tasks and duties would be assigned based on capacity and needs of the business, which may include support and assistance to other processors in the processing of their file(s). Reviews underwriting decisions, prepares decision letters, and works with applicants to obtain any additional documents needed for final approval when filling in for other processors who are off work or based on business needs. 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. Communicates with all stakeholders regarding the loan process, providing excellent customer service at all times for both internal and external partners. Processes more 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 the Closing Department. This includes, but is not limited to, obtaining homeowner's insurance, payoffs, and coordination with the Title Department as well as internal partners in setting closing dates. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. The employee consistently demonstrates a commitment to the culture of Lake Michigan Credit Union. They exhibit the core values that define LMCU’s PRIDE culture (Passionate, Respectful, Innovative, Dependable, Empowered) and contribute to the success of others on the team. Example behaviors might include, but are not limited to:

• Doing what’s right for the member and for each other.
• Maintaining an optimistic and positive attitude towards others.
• Demonstrating the highest standards of ethics and personal values.
• Embracing diversity and upholding a culture of inclusion.
• Sustaining credibility by following through on commitments.
• Engaging in healthy dialogue to and win/win solutions.

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