Mortgage Operations Professional

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 22 branch offices in southeast Michigan...soon to be 23! 5 billion in assets, and a 95% member satisfaction rating for two decades. Take the next step in your career now, scroll down to read the full role description and make your application. With regular coaching and continuing education, we grow champions team members dedicated to championing the success of our members. If you have a passion for helping people and providing exceptional and dependable service, we want you on our team! Responsible for origination of first mortgages including conducting initial pre-qualification interviews, preparing loan application packages and necessary documentation, communicating policies for extension of credit in accordance with MSGCU and secondary investor guidelines, meeting production expectations, and serving members, prospective members, builders, developers, and real estate agents promptly and professionally. Processes new loan applications and performs loan origination activities including accurately reading, interpreting, and applying financial and numerical information to the loan file. and MSGCU policies, procedures, and guidelines. A strong emphasis will be place on consultative phone selling, prospecting and member service. This position will focus on phone mortgage origination via inbound and outbound calling utilizing various lead sources (referrals, call lists, phone queue, self-generated, etc.). Cultivates and maintains external referral sources by attending loan closings, networking events, cold calling, follow up, and referrals to generate business and first mortgage purchases. Travels throughout branch network to strengthen relationships and collaborate with assigned branch teams in order to increase branch referrals and drive mortgage loan growth. Communicates mortgage updates and provides recommendations for identifying new opportunities. Follows up on cancelled and pre-approved applications. Actively looks for ways to help people solve problems and / or meet financial objectives. Builds Networks : Builds rapport and develops constructive relationship networks inside and outside MSGCU. Skillfully communicates to members with varying levels of mortgage knowledge the lending options, process, and timelines, and uses s. Poised phone presence and strong follow-up skills. Shares mortgage options in a compelling manner to help members see the value of our offerings as compared to others in the market. Adapts approach and demeanor in real time to match the shifting demands of different situations. Proficient with a variety of computer software applications including Microsoft Office products (Word, Excel, PowerPoint, and Outlook), and ability to operate standard office equipment. Familiarity with secondary mortgage market underwriting, pricing, operations, and requirements as well as all consumer lending regulations. 1 year of mortgage origination experience; 2 years of mortgage banking experience or relevant lending experience in other roles; Bachelors degree in Business Administration, Marketing, Accounting, or Finance; 3 years of analytical finance experience. Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors. Required to travel throughout MSGCU's service area as business needs require. Receives detailed instructions and security procedures on an annual basis to minimize risk. Normal working hours will be MSGCUs standard branch and administrative office hours of operation, however, periodic weekends and / or before / after normal office hours will be required. We also champion our team members with generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job. Medical, dental and vision on your first day! You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family) You will enjoy 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date)

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