Senior Home Equity Underwriter

US-MI-Grand Rapids
# of Openings
Full Time


Lake Michigan Credit Union is one of the largest financial institutions in Michigan and was established in 1933. We are seeking customer oriented individuals to join our team and help ensure our 5 star promise is carried out. As an employee, you'll enjoy a stimulating, professional atmosphere, supported by the latest technology and training. You will be encouraged to refine your existing skills in an environment of empowerment, gain new experiences, and progress to the limits of your own motivation.


Lake Michigan Credit Union is looking for a dedicated individual to join our Home Equity department as an Senior Home Equity Underwriter.


  • Assists members and employees with the processing of Home Equities Lines of Credit, Smart Move Mortgages and Second Fixed Mortgages; then to make approval determination. 
  • Reviews residential & investment loan applications to verify that application data is complete and all information including property type meets credit union established guidelines and procedures.

  • Ensure that all disclosures are given as required and comply with all government regulations including Reg. Z & HMDA.

  • Evaluates the Members Assets, Liabilities, Employment History, Credit History, Debt to Income Ratios and Collateral Value to then Approve or Deny the Members Loan application.

  • Accurately evaluate self-employment borrower income through a cash-flow analysis including but not limited to schedule C. K-1, Partnership 1065 and S Corp Income.

  • Review and decision loan applications at a higher loan limit than standard Home Equity Underwriters.

  • Assists with the closing process by updating Symitar, print documents, provide instruction as needed, and submit disbursed loans to post closing for review.  



  • Three to five years of similar or related experience, including preparatory experience.
  • A high school degree or equivalent


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