Mortgage Underwriter

Job Title: Senior Mortgage Underwriter

Primary Location: Michigan - Grand Rapids, Grand Blanc, Saginaw, or Livonia

Employee Status: Full-time, hourly

Remote: 100%

What You’ll Get:

Note: Offerings may vary based on role and hours

• Weekly Pay

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

• Matching Health Savings Account (HSA) Contributions and Dependent Care Flexible Spending Account (FSA)

• Retirement options including 401(k) with company match and pension

• Paid Time Off: Vacation, Personal Days, Paid Holidays, Paid Volunteer Time, Sick Days, & Flex Time

• Tuition Reimbursement

About This Position:

LMCU is looking for a Mortgage Underwriter to join our Mortgage Lending team. In this role, you'll be responsible for reviewing, evaluating, and approving mortgage loan applications in accordance with Credit Union policies and secondary market guidelines. You'll help ensure we deliver sound lending decisions that support both our members and organizational goals.

What You’ll Do:

• Review and evaluate mortgage loan applications and documentation for compliance with LMCU and investor guidelines

• Approve, deny, or request additional information to support sound underwriting decisions

• Assess loan acceptability for sale to the secondary mortgage market

• Document reasons for loan denial, citing applicable guidelines and standards

• Assemble and finalize complete loan files for return to the originating department

What You’ll Bring:

• 5–8 years of mortgage underwriting or related lending experience

• In-depth knowledge of mortgage products, interest rates, and investor requirements

• Familiarity with loan origination systems and credit union loan processes

• Understanding of related products such as Execulines, second mortgages, swing loans, and land loans

• Strong attention to detail, decision-making skills, and understanding of regulatory requirements

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: Careers@lmcu.org. 

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.

LMCU is an Equal Opportunity Employer