Mortgage Loan Officer
Capitol Bancorp Ltd. - Farmington Hills, MI

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Michigan Commerce Bank is currently looking to fill the position of Mortgage Loan Originator for the Farmington Hills / Brighton office , with responsibility for originating a wide variety of residential mortgage, real estate and construction loans in compliance with all applicable state and federal laws and regulations, as well as company policies and procedures. This position will actively seek qualified loan applicants, which may include referrals from inside and outside sources, and assures quality service by timely processing, shipping to underwriting, ordering closing documents, and coordinating loan closing.

Required Skills

Originates mortgage loans through interviewing and consulting loan applicants. Obtains necessary information to complete loan documents, which may include, review of financial information, personal interview, etc. Submits loan applications and related documents for processing and/or underwriting.

Provides information to loan applicants regarding the terms under which credit will be extended, including the costs, repayment terms, interest rates and collateral.

Actively seeks qualified loan applicants through referrals, realtor meetings, home builders associations, and sales presentations.

Represents the Bank with business, trade associations and customers; promotes the Bank's image as a good corporate citizen.

May perform related duties as assigned or as the situation dictates.


Assists mortgage loan-processing department with documenting loans to ensure complete loan files are sent to underwriting.

May cross-sell other bank products.


Strong interpersonal skills with the ability to communicate effectively with existing and potential customers as well as throughout the Bank.

Experienced sales skills.

Ability to accurately handle detail oriented transactions.

Familiar with mortgage lending software such as Genesis and Caylx.

Strong knowledge of underwriting guidelines and income analysis.

Required Experience

Two to five years mortgage lending experience preferred.