Mortgage Loan Officer MI

Dfcu Financial - Lansing, MI

Full-time - Entry Level

Lansing, MI

Credit Intermediation and Related Activities

About the position

Join the DFCU Financial team today, and discover the benefits, rewards, and development opportunities from one of the largest and best-managed credit unions in the country. DFCU Financial is looking for Mortgage Loan Officers for the Ann Arbor, Grand Rapids, and Lansing, MI areas to join our team. In this role, the Mortgage Loan Officer is responsible for all requirements in the originating of mortgage applications for the DFCU portfolio and saleable loans to the secondary market. This position requires a proactive approach to networking and relationship building within the local real estate community, as well as a strong understanding of mortgage regulations and secondary market requirements. As a Mortgage Loan Officer, you will maintain relationships with local real estate professionals, providing them with information about our products and services. You will be expected to proactively network to generate business and work closely with borrowers to recommend appropriate courses of action based on their goals, whether that be pre-approval, refinancing, or purchasing a property. This role involves responding to borrower inquiries both in-person and remotely, reviewing documentation to ensure it meets requirements, and assisting the processing team with borrower interactions as needed. Additionally, you may be called upon to assist in training less experienced employees and contribute to business development efforts for the Mortgage Services department. Participation in local Board of Realtors functions is also expected to enhance community engagement and business opportunities.

Responsibilities

• Maintain a relationship with the local real estate community, offering information on our products and services.
• Proactively network to generate business.
• Work with borrowers to recommend a course of action based on the borrower's goal to be pre-approved, refinance or purchase a property.
• Respond to borrowers both inside and outside the office, answering inquiries and accepting applications in person, by phone or online.
• Review borrower supplied documentation to confirm it meets requirements prior to sending to the processing center.
• Assist processing team with borrower interaction as required.
• Assist in training less experienced employees when requested.
• Assist with business development efforts for the Mortgage Services department.
• Attend local Board of Realtors functions.

Requirements

• High School diploma or equivalent.
• Minimum three years current experience as a Mortgage Loan Officer with annual production levels exceeding $8 million.
• Demonstrated knowledge of mortgage regulations and secondary market requirements.
• Excellent interpersonal skills, including effective verbal and written communication.
• Detail oriented with strong organizational skills.
• Ability to work independently and within a team environment.
• Consistent positive, cooperative, self-motivated, courteous and professional attitude.

Nice-to-haves

• May require some evening and Saturday hours.

Benefits

• Potential for a hybrid work schedule
• 401k plan match, dollar for dollar up to 4%
• Medical, dental and vision insurance effective date of hire
• Health savings account (HSA)
• Flexible spending accounts for medical and dependent care expenses
• Wellness initiatives and reimbursements
• Pre-paid legal services plan
• Identity protection plan
• Accident supplemental plan
• Short- & long-term disability plans paid for by company
• Company provided basic life insurance of $50,000 plus supplemental for employee, spouse, and child
• Pet Insurance
• Tuition reimbursement / Education assistance
• Paid time off
• Paid holidays (~10 per year)
• Free financial planning assistance
• Paid lunch time
• Numerous fun employee events throughout the year
• Volunteer and community engagement opportunities
• Discounts with local and national companies through DFCU Perks
• Service / anniversary awards
• Employee discounts for company logo wear
• Recognition and awards for outstanding team and individual performance (branch and member service center employees)
• Employee referral payouts for recruiting your friends and family
• Ongoing training opportunities
• Leadership development program
• Flexible scheduling for students