Welcome to Community Financial Credit Union careers! Our organization is constantly evolving and we strive to offer creative solutions in a challenging hiring market. Our team members play a pivotal role in the success of our organization and pave the way for us to become the best financial partner for our members.

About Us:

Community Financial Credit Union is a full-service financial institution that serves anyone living, working, worshiping, or attending school in Michigan. We are a not-for-profit institution and have been in business for over 70 years!

Community Financial HQ is located in Plymouth, MI. We have 14 branches in the Metro Detroit Area well as Northern Michigan.

So, what makes Community Financial innovative and unique? Community Financial is not only the place you want to bank, but it is also a great place to work! We've been recognized as one of the Regional Best and Brightest Companies for the last 18 years, nationally since 2018, and became certified as a Great Place To Work in 2023.

Our Culture:

At Community Financial, our purpose is to create joy and ignite Michiganders' impossible dreams. A culture of joy and impossible dreams is a culture of belonging: belonging is the spark. Guided by our values of Relentless Care, Hustle & Grind, and Huzzah!, we create a Culture of Belonging where every team member and member feels valued, connected, supported and can be their authentic selves.

Our Opportunities:

We are proud to offer a variety of professional development opportunities for our team members. From mentorships to internal growth programs, Community Financial aspires to provide team members the opportunity to reach their career goals while being their true, authentic self.

About the role:

Do you have experience working with residential first and second mortgages?

Keep reading for additional information!

The Residential Loan Officer is responsible for the origination of residential first and second mortgages that are generally derived from internal sources such as by the experience team, from provided leads, for employees, or mortgage refinances for current CFCU mortgage holders.

This position offers a base rate of $42,000 and includes incentives.

A Day in the life of a Residential Loan Officer can look like:

• Deliver on our Member Engagement Manifesto and ensure an exceptional member experience through the mortgage journey.
• Reach out to members in the market for a mortgage (leads), with a firm offer of credit where required, within 24 hours of notification.
• Fully complete a mortgage loan application and/or an equity application online, over-the-phone, or potentially in-person at member's insistence.
• Pull tri-merge and/or single bureau credit report to ensure program eligibility based on member's credit history and/or credit scores.
• Select appropriate loan program meeting member expectations with first lien mortgages or home equity loan products.

What you bring to the table:

• High school diploma or equivalent.
• Minimum 1 years solid work experience in residential mortgage lending.
• Must possess a valid Nationwide Mortgage Licensing System (NMLS) registration.
• Solid understanding of residential lending practices and programs.
• Capable of working in a sales-centric, goal-oriented environment.
• Exceptional professionalism providing for a best-in-class member experience.
• Excellent verbal and written communication skills.
• Outstanding organizational and follow-up skills.
• Capable of proficiently delivering and handling difficult customer conversations.
• Strong teamwork abilities with co-workers and colleagues.
• Excellent interpersonal and decision-making skills
• Ability to handle the stress of meeting time-sensitive deadlines.
• Proficient computer skills, including MS Office and databases.
• Ability to adapt well to change and learn quickly.
• Ability to problem-solve with a high level of personal accountability.
• Proficiency using Excel and Word.

You might also have:

• Proficiency with Encompass.
• Experienced with originating equity loans/lines.
• Experienced in gathering deposits.
• Experience in mortgage lending.
• Experience reaching or exceeding sales goals and objectives.

As a team member at Community Financial Credit Union, you'll enjoy:

• Medical, dental, and vision plans
• Four weeks of PTO for all full-time team members
• Federal Bank Holidays off
• Flexible work options depending on position
• A generous 401k match
• Numerous employee engagement activities
• Community Resource Groups
• Time off for occasions such as volunteering, caregiving, and family events

Contact/Application Information:

If this description appeals to you, please submit an application! A member of CFCU's Talent Acquisition Team will be in contact with you shortly!

Equal Employment Opportunity Policy:

Community Financial Credit Union is an equal opportunity employer (M/F/D/V). We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, gender identity or expression, sexual orientation, marital status, disability, veteran status, or any other basis protected by applicable Federal, State or local laws.

Disclaimer:

This job posting highlights some of the most critical responsibilities and requirements of the position. There may be additional duties and responsibilities that are not listed above. A Talent Acquisition Specialist will be sure to discuss the role in further detail should your application be selected to move forward.