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- Tasks: Help clients navigate the mortgage process and close loans with a focus on exceptional service.
- Company: Join Michigan First Credit Union, a leader in financial solutions with over 90 years of service.
- Benefits: Enjoy competitive pay, tuition reimbursement, wellness initiatives, and a free fitness centre.
- Why this job: Make a real impact on clients' lives while thriving in a supportive and growth-oriented culture.
- Qualifications: High school diploma required; finance degree preferred; sales experience is a plus.
- Other info: Be part of an award-winning team recognised for its community support and workplace culture.
The predicted salary is between 36000 - 60000 ÂŁ per year.
We are currently seeking a Mortgage Loan Officer to join our Michigan First Mortgage Office. The person in this position will report to the Loan Center Manager.
JOB SUMMARY: Our Mortgage Loan Officers strive to make an impact on their client’s lives by providing the most up-to-date mortgage information in order to help them meet their financial goals. This would involve increasing a client’s mortgage loan portfolio by developing business contracts; attracting mortgage customers, completing the mortgage loan process, and closing. We are looking for outgoing, sales-oriented applicants with uncanny client service ability.
KEY JOB RESPONSIBILITIES:
- Advise and educate clients on the home-buying or refinance process and how to better manage their mortgage needs.
- Meet mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and customer-service standards; resolving problems; identifying mortgage loan system improvements.
- Assist in the preparation of credit information necessary to establish qualifying range, including factors such as applicant’s assets, credit experience, and income, based on predetermined standards.
- Keep records on file of credit transactions, inquiries, pending loans, Loan Activity report by representative, and Daily Loan Listing.
- Attract new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.
- Complete mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing.
- Exhibit excellent interpersonal and persuasion skills.
- Perform functions in an accurate and timely manner.
- Perform other duties as assigned.
- Become an advocate of The Michigan First Way, supporting all facets of it, including complete fulfillment of Our Promise, 5 STARS Service, SOLVE IT, and our ISMs.
- Foster a positive demeanor and image through professional representation in all contacts with both team members and members.
- Consistently reflect and display each of our “ISMs” in daily job performance, as well as in all business interactions while executing our goals and initiatives.
- Learn and utilize EMEC (Every Member’s Experience Counts) in day-to-day responsibilities when communicating with members.
Qualifications:
- High school diploma; BA degree in Finance, Accounting, or Economics preferred.
- Previous experience in financial software or sales is a plus.
- Passion, great communication skills, self-motivation, positive and competitive attitude.
- Detail-oriented.
- Ability to effectively present information in one-on-one and small group situations.
- Ability to operate standard office equipment, including proficiency with financial calculations and operational software desired.
- Must have more skills than just telemarketing experience.
- Organic lead generation and social media efficiency are essential to loan originators’ long-term prosperity.
Who We Are: Michigan First Credit Union was founded more than 90 years ago by educators and delivers world-class service to more than 160,000+ members at our branches throughout the State of Michigan, and we’re still growing! We offer financial solutions for every life stage and seek to positively transform our members’ lives through personalized service that meets their unique needs. Simply put, Michigan First Credit Union’s sole mission is to provide the highest quality member experience. Working here, you’ll get to participate in a strong culture, centered around service, professionalism, and growth.
Michigan First highlights:
- 500 team members
- 32 locations spanning the Lansing area, Grand Rapids, and Metro Detroit
- Industry leader in community support and charitable giving through the Michigan First Foundation
- Member Services Call Center operates 24/7/365
- Over $1.5 Billion in assets
Awards: Michigan First Credit Union has been the proud recipient of:
- 2024 Best & Brightest in the Nation
- 2024 Best & Brightest in Metro Detroit
- 2024 Best & Brightest in West Michigan
- 2024 Best Credit Unions to Work For
- 2024 Crain’s Cool Places to Work
- 2024 Detroit Free Press Top Workplaces
- 2024 Michigan Veterans Affairs Agency - Certified Veteran Friendly Employer - Bronze Level
- 2021 Credit Union of the Year by NAFCU (National Association of Federally-Insured Credit Unions)
Benefits and perks of joining our award-winning team include:
- Very competitive pay
- Low-cost medical, dental, and vision benefit options.
- Employer-paid life and disability insurance
- 401(k) - 100% match up to 5% deferral
- Tuition reimbursement for both Undergraduate and Graduate degree programs
- Access to a complimentary concierge service that assists with nearly any item on your to-do list
- Free, state-of-the-art fitness center at our Lathrup Village headquarters with exercise equipment, showers, and locker rooms
- Wellness initiatives and events throughout the year to help team members stay healthy
- Loan discounts for certain secured and unsecured loans and mortgages
- Opportunities for pay increases, incentives, and profit-sharing, based on performance
- Onsite subsidized top-notch Cafe 26 for team members' use
- Onsite bowling center
Michigan First Credit Union is an Equal Opportunity Employer.
Mortgage Loan Officer employer: Michigan First Credit Union
Contact Detail:
Michigan First Credit Union Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Loan Officer
✨Tip Number 1
Network within the real estate community in Brighton. Attend local events, join relevant groups, and connect with real estate agents to build relationships that can lead to potential clients.
✨Tip Number 2
Familiarise yourself with the latest mortgage products and trends. Being knowledgeable will not only boost your confidence but also help you engage effectively with clients and answer their questions.
✨Tip Number 3
Develop your social media presence. Share valuable content related to mortgages and home buying on platforms like LinkedIn and Facebook to attract potential clients and showcase your expertise.
✨Tip Number 4
Practice your interpersonal and persuasion skills. Role-play scenarios with friends or colleagues to enhance your ability to communicate effectively and close deals with clients.
We think you need these skills to ace Mortgage Loan Officer
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in mortgage lending or sales. Emphasise any previous roles where you advised clients on financial products, as this aligns with the responsibilities of a Mortgage Loan Officer.
Craft a Compelling Cover Letter: In your cover letter, express your passion for helping clients achieve their financial goals. Mention specific skills that make you a great fit for the role, such as your communication abilities and experience in building client relationships.
Showcase Your Skills: Highlight your interpersonal and persuasion skills in your application. Provide examples of how you've successfully attracted new clients or improved customer service in previous positions to demonstrate your suitability for the role.
Research the Company Culture: Familiarise yourself with Michigan First Credit Union's values and mission. Reflect these in your application by mentioning how you align with their commitment to providing high-quality member experiences and community support.
How to prepare for a job interview at Michigan First Credit Union
✨Know Your Mortgage Basics
Make sure you brush up on the fundamentals of mortgage loans, including types of loans, interest rates, and the home-buying process. Being able to explain these concepts clearly will show your expertise and help build trust with potential clients.
✨Demonstrate Your Sales Skills
Since this role is sales-oriented, prepare examples of how you've successfully attracted clients or closed deals in the past. Highlight your ability to develop relationships within the community, especially with real estate professionals.
✨Showcase Your Interpersonal Skills
The job requires excellent interpersonal and persuasion skills. Be ready to discuss situations where you've effectively communicated with clients or resolved conflicts. This will demonstrate your capability to provide outstanding customer service.
✨Familiarise Yourself with Company Culture
Research Michigan First Credit Union's values and mission. Be prepared to discuss how you can embody their 'ISMs' and contribute to their goal of providing a high-quality member experience. Showing alignment with their culture can set you apart from other candidates.
