Senior Retail Lending Processor
Company: Independent Bank Corporation
Location: East Lansing
Posted on: February 13, 2026
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Job Description:
Job Description Job Description Be Proud, Be You, Be
Independent! Are you an experienced Banking professional, with Real
Estate, Mortgage and/or Consumer Lending experience, looking to
take the next step in your career? If so, we need you! At
Independent Bank we celebrate your unique self and empower you to
make a difference. Guided by our core values of courage, drive,
integrity, people focus and teamwork , we provide a supportive
environment where you can thrive, grow your career and contribute
meaningfully to shaping the financial future of our customers and
communities; inspiring financial independence today, with tomorrow
in mind. About the Job: As a Senior Retail Lending Processor , you
will report to the VP Retail Lending Operations Manager and be
responsible for processing, underwriting, and preparing closing
packages for consumer loans, including HELOCs and Real Estate
Modifications. You’ll support the department manager with projects,
monthly reporting, and related activities, operating in full
compliance with Independent Bank policies, procedures, and
applicable Federal and State regulations. Through your work, you’ll
help us live our mission: “Inspiring financial independence today,
with tomorrow in mind! " Why You Should Apply: Competitive
compensation package. Accommodating and flexible paid time off. A
knowledgeable, goal-driven, and exciting team of colleagues.
Exposure to different areas of banking and the ability to work with
leaders within the industry. Community-focused events and volunteer
opportunities. What You Will Do: Process and Underwrite consumer
loan packages for HELOC products. Review and evaluate credit report
data. Underwrite income, appraisals, title commitments, required
documents, etc. to ensure that they meet standard consumer loan
guidelines. Assist with department Pipeline coordination, including
pipeline management of own files; and monitoring for timeliness.
Order various documents based on loan requirements. Ensure that the
loan file complies with all loan policies and federal regulations.
Work with lenders to ensure timely processing of files to adhere to
internal policy and federal regulations. Prepare the closing
package with instructions. Prepare early disclosures for HELOCs
adhering to requirements for coverage, timeliness, and delivery.
Decision loan files within individual lending authority limits.
Refer loan files to the appropriate authority for decisions outside
the individual lending authority. Process Adverse Action files,
adhering to regulatory requirements. Assists with post-close file
review and management. Assist in post-close exception follow-up and
clearing. HMDA reporting. Performs other related duties as
assigned. What We're Looking For: High school diploma or equivalent
education required. Associate’s or Bachelor’s degree or equivalent
years of working experience. 3 years of consumer loan and/or
mortgage experience preferred Word and Excel knowledge and
experience. Excellent interpersonal, presentation and communication
skills. Organizational skills, detail-oriented, customer service
skills, math skills, ability to work independently and under
pressure/against deadlines. Multi-tasking skills is a requirement.
Must be able to make decisions and use good judgment. Ability to
take on responsibilities from Team Leader and Department Manager as
needed. A positive attitude and team-oriented are a must. Be YOU.
Be Independent!
Keywords: Independent Bank Corporation, Pontiac , Senior Retail Lending Processor, Accounting, Auditing , East Lansing, Michigan
