Zeal Credit Union
  • Mortgages
  • 48152, MI, USA
  • Full Time


The primary purpose of this position is to assist the Credit Union in achieving its mission of building trusted relationships by providing members with superior financial solutions and outstanding service.  In addition, this position will direct, coordinate, and supervise the staff of the Mortgage Department.  Maintain policies, procedures, and loan products, as well as, make recommendations on the setting of mortgage rates.  The Mortgage Department Manager oversees loan approvals and sales to the secondary market and supports and coaches to the Credit Union's Service and Solutions Culture.

Essential Functions

  • Facilitate the transfer of mortgages sold to the secondary market.
  • Comply with requirements of the secondary market such as quality control reviews.
  • Maintain and review interest rate structure to ensure competitive pricing.
  • Review, create, recommend and implement new and/or improved loan products.
  • Supervise the activities of the Mortgage Department staff by assigning work, answering questions, solving problems, helping with complex issues, handing sensitive member requests, explaining and enforcing policies and procedures to both staff and members. 
  • Responsible for the accuracy and completion of monthly loan reports.
  • Maintain ongoing relationships with outside vendors related to the mortgage process.
  • Research, implement and manage product development.
  • Handle difficult and special circumstance loan transactions and workouts.
  • Attend outside functions in order to improve products and procedures or to educate others.
  • Maintain working knowledge of regulatory compliance requirements.
  • Interview and counsel credit challenged members in order to restructure debt load.
  • Credit analysis and response to loan applications.
  • Maintain documentation and reporting requirements of Dovenmuehle.
  • Ensure the timely reporting of required annual reports with Federal Government.
  • Ensure the timely mailing of annual statements and escrow analysis.

Additional Functions

  • Stays informed of modifications and updates in software applications.
  • Completes special projects as assigned.
  • Keeps work area clean, secure, and well maintained.  
  • Perform all other tasks and duties as assigned

Job Qualifications


  • Bachelor's degree in business or related field or study; three to five years of mortgage experience or equivalent combination of education and experience 
  • Minimum one year in supervision, mortgage processing, underwriting, and servicing
  • Thorough knowledge of the secondary market
  • Broad knowledge of regulations, policies, and procedures of the lending functions
  • Experience with loan processing software and data processing systems
  • Basic knowledge of debits, credits, understanding of word processing and spreadsheet applications
  • Ability to calculate figures and amounts such as interest, percentages and compute rates and ratios
  • Strong interpersonal skills
  • Personal interaction


  • Excellent presentation skills
  • Outstanding interpersonal and motivational skills
  • Excellent planning skills
  • Working knowledge of Zeal  Credit Union products and services
  • Ability to work independently with little or no supervision


Physical, Mental and Environmental Demands

The physical, mental and environmental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.


The employee is regularly required to sit and stand for extended periods; use hands to finger, handle, or feel; reach with hands and arms; bend and twist neck; bend and twist waist; and talk or hear.  The employee must be able to speak and hear distinctly. The employee is required to stand, sit and walk; sometimes to climb or balance; stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds.


The employee needs to be alert to member needs, to be resourceful in solving member problems, and to be precise when updating member accounts.  The employee must be able to deal with people effectively under adverse and/or stressful conditions, occasionally be persuasive, use judgment, and exhibit patience.  The employee must also be able comprehend and follow instructions, communication orally and in written form.


The employee is required to work a regular work schedule, however overtime work may be required as defined by the needs of the department. Irregular work hours may be required and include evenings and weekends depending on the staffing and business needs of the Credit Union.


The above information has been designed to indicate the general nature and level of work performed by employees within this classification.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job

Zeal Credit Union
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