**Job Description:**

Are you a motivated professional with a passion for helping individuals secure their dream homes? Join our team as a Mortgage Loan Officer and make a difference in the lives of our clients by guiding them through the loan process with expertise and care.

**Key Responsibilities:**

- **Client Consultation:** Engage with potential borrowers to understand their financial needs and provide tailored loan solutions.- **Loan Origination:** Assist clients in completing loan applications, ensuring accuracy and compliance with all regulatory requirements.- **Financial Analysis:** Evaluate borrower creditworthiness and perform detailed financial analysis to determine eligibility for various loan products.- **Relationship Building:** Cultivate and maintain strong relationships with clients, real estate agents, and other industry professionals to establish a robust referral network.- **Market Awareness:** Stay informed about industry trends, regulations, and products to provide informed and up-to-date advice to clients.- **Documentation and Processing:** Pricing and Negotiating the Rate and Terms of the mortgage loan,  Oversee the loan application process, ensuring all documentation is complete and submitted on time.- **Customer Service Excellence:** Provide exceptional service throughout the loan process, addressing client inquiries and resolving issues promptly.

**Qualifications:**

- Proven experience in mortgage lending or related financial services.- Strong understanding of loan origination processes and applicable regulations.- Excellent communication and interpersonal skills, with a customer-focused approach.- Ability to analyze financial data and make sound lending decisions.- Proficiency with loan origination software and financial analysis tools.- Strong organizational skills and attention to detail.

**Education & Experience:**

- Bachelor’s degree in finance, business, or a related field is preferred, but not required.- Professional certification in mortgage lending is a plus.

**Why Join Us?**

- Competitive commision structure with performance-based bonuses.- Comprehensive benefits package, including health insurance, retirement plans, and paid time off.- Opportunities for professional development and career advancement.- A supportive and dynamic work environment that values teamwork and collaboration.

Embark on a rewarding career as a Mortgage Loan Officer with us, and help our clients achieve their financial goals. Apply today to become part of our dedicated and professional team!

**Job Description:**

We are seeking an experienced and detail-oriented Mortgage DE/SARS Underwriter to join our dynamic team. This role is integral to helping our clients secure their home financing by evaluating mortgage applications for both creditworthiness and compliance with all applicable regulations.

**Key Responsibilities:**

- Review and analyze mortgage loan applications to ensure accuracy, completeness, and compliance with DE (Direct Endorsement) guidelines and SARS (Suspicious Activity Reporting System) requirements.
- Assess applicants' financial status, credit, and property evaluations to determine risk and eligibility for loan approval.
- Verify documentation that includes applicants’ income, credit history, collateral, and employment details.
- Collaborate with loan officers, processors, and clients to facilitate smooth processing and approval of mortgage applications.
- Provide final approval/denial decisions in adherence to company policies and regulatory standards.
- Stay informed about changes in underwriting guidelines and updates from DE/SARS regulations to ensure compliance with industry standards.
- Identify potential red flags in loan applications and escalate issues following established protocols.
- Maintain clear and effective communication with all parties involved while ensuring confidentiality of sensitive personal and financial information.

**Qualifications:**

- Proven experience as a Mortgage Underwriter, with specific experience in DE/SARS underwriting.
- Strong understanding of FHA and conventional loan programs and guidelines.
- Proficiency in evaluating and interpreting complex financial data and credit reports.
- Excellent analytical skills and attention to detail.
- Strong decision-making and problem-solving abilities.
- Effective verbal and written communication skills.
- Ability to manage multiple tasks efficiently while maintaining high accuracy.
- Familiarity with automated underwriting systems such as DU or LP.

**Education and Certifications:**

- Bachelor’s degree in Finance, Business Administration, or a related field preferred.
- DE Underwriter certification required.
- SARS training/certification is highly desirable.

**Why Join Us?**

- Be part of a supportive and forward-thinking company that prioritizes growth and innovation.
- Work in an environment that values expertise, initiative, and a commitment to quality service.
- Enjoy competitive compensation and benefits packages.

If you are a meticulous professional with a strong commitment to excellence in mortgage underwriting, we encourage you to apply for this exciting opportunity.

**Job Description:**

Are you a motivated professional with a passion for helping individuals secure their dream homes? Join our team as a Mortgage Loan Officer and make a difference in the lives of our clients by guiding them through the loan process with expertise and care.

**Key Responsibilities:**

- **Client Consultation:** Engage with potential borrowers to understand their financial needs and provide tailored loan solutions.- **Loan Origination:** Assist clients in completing loan applications, ensuring accuracy and compliance with all regulatory requirements.- **Financial Analysis:** Evaluate borrower creditworthiness and perform detailed financial analysis to determine eligibility for various loan products.- **Relationship Building:** Cultivate and maintain strong relationships with clients, real estate agents, and other industry professionals to establish a robust referral network.- **Market Awareness:** Stay informed about industry trends, regulations, and products to provide informed and up-to-date advice to clients.- **Documentation and Processing:** Pricing and Negotiating the Rate and Terms of the mortgage loan,  Oversee the loan application process, ensuring all documentation is complete and submitted on time.- **Customer Service Excellence:** Provide exceptional service throughout the loan process, addressing client inquiries and resolving issues promptly.

**Qualifications:**

- Proven experience in mortgage lending or related financial services.- Strong understanding of loan origination processes and applicable regulations.- Excellent communication and interpersonal skills, with a customer-focused approach.- Ability to analyze financial data and make sound lending decisions.- Proficiency with loan origination software and financial analysis tools.- Strong organizational skills and attention to detail.

**Education & Experience:**

- Bachelor’s degree in finance, business, or a related field is preferred, but not required.- Professional certification in mortgage lending is a plus.

**Why Join Us?**

- Competitive commision structure with performance-based bonuses.- Comprehensive benefits package, including health insurance, retirement plans, and paid time off.- Opportunities for professional development and career advancement.- A supportive and dynamic work environment that values teamwork and collaboration.

Embark on a rewarding career as a Mortgage Loan Officer with us, and help our clients achieve their financial goals. Apply today to become part of our dedicated and professional team!

**Job Overview:**

We are seeking a dedicated and customer-focused Bank Teller to join our dynamic financial institution. The ideal candidate will have excellent communication skills and a keen eye for detail, contributing to smooth and efficient banking operations. As a Bank Teller, you will be the primary point of contact for our customers, ensuring their transactions and inquiries are handled with the utmost professionalism and accuracy.

**Key Responsibilities:**

- Greet customers warmly, providing them with friendly and professional service.
- Process various banking transactions, including deposits, withdrawals, transfers, and loan payments, accurately and efficiently.
- Assist customers with inquiries and provide information about banking products and services.
- Maintain an organized and secure cash drawer, balancing at the end of each shift.
- Identify and report any suspicious activities or potential security risks in accordance with bank policies.
- Support the branch team in achieving sales and service goals by cross-selling relevant bank products and services.
- Stay informed about bank policies, procedures, and regulatory requirements to ensure compliance.
- Participate in ongoing training and development programs to enhance customer service and banking skills.

**Qualifications:**

- High school diploma or equivalent; additional education in finance or business is a plus.
- Previous cash-handling experience is preferred, but not required.
- Strong customer service skills with a friendly and approachable demeanor.
- Ability to perform basic mathematical calculations accurately.
- Excellent attention to detail and organizational skills.
- Good problem-solving abilities and decision-making skills.
- Proficiency in using computer systems and standard office equipment.
- Ability to work flexible hours, including weekends and holidays, as needed.

**Why Join Us:**

- Competitive salary and comprehensive benefits package.
- Opportunities for career advancement within the organization.
- Supportive and inclusive work environment.
- Access to training programs and professional development resources.

If you are passionate about providing exceptional customer service and are eager to work in a supportive team environment, we encourage you to apply for the Bank Teller position. Join us in helping our customers achieve their financial goals while advancing your career in the banking industry.

Location: Remote

Job Type: Full Time

About Us:

Midland Federal Savings and Loan is a growing Bank / Mortgage Lender committed to helping individuals and families achieve their homeownership goals. We take pride in our customer-focused approach and high standards of accuracy, efficiency, and integrity.

Position Overview:

We’re seeking a detail-oriented Mortgage Loan Processor to join our team. The ideal candidate will be responsible for processing mortgage applications from start to finish—ensuring all documentation is complete, compliant, and ready for underwriting and closing. You’ll serve as a key point of contact between borrowers, loan officers, underwriters, and other stakeholders to move loans smoothly through the pipeline.

Key Responsibilities:

• Review initial loan applications for completeness and accuracy.
• Collect and verify borrower documentation (income, assets, credit, etc.).
• Submit and track files through underwriting and closing stages.
• Communicate regularly with loan officers, underwriters, and borrowers to resolve conditions and keep files on schedule.
• Ensure compliance with all federal, state, and company lending regulations.
• Maintain detailed records and meet processing deadlines.

Qualifications:

• 2+ years of experience as a Mortgage Loan Processor (preferred).
• Strong knowledge of FHA, VA, Conventional, and USDA loan programs. 
• Proficient in LOS systems 
• Excellent organizational and time management skills and high attention to detail.
• Strong communication and customer service abilities (Written and Verbal)
• Ability to manage multiple files in a fast-paced environment.
• Ability to work with strict deadlines

What We Offer:

• Competitive salary. 
• Health, dental, and vision insurance.
• Paid time off.
• Supportive, team-oriented work environment.
• Opportunities for professional growth and advancement.

Midland Federal Savings is a federally chartered mutual savings institution serving the Chicagoland community. We are looking for an Accounting Manager to own the month-end close, accounts payable operations, and general ledger reconciliations. You will report to the VP Controller. 

This is a hands-on role at a regulated financial institution. If you are a Senior Accountant ready to step into a leadership position with direct ownership of the close process, this is your opportunity. 

Responsibilities

Month-End Close 

• Lead the full month-end close cycle, including preparation and posting of all recurring and variable journal entries.
• Prepare prepaid expense amortization schedules. Review new invoices, classify treatment, and maintain the prepaid inventory.
• Prepare investment-related entries and coordinate with the investment custodian and broker for monthly source data.
• Prepare financial statements, trial balance review, and variance analysis.

Accounts Payable

• Own the full AP cycle: invoice receipt, coding, approval routing, entry, and payment processing.
• Manage vendor relationships, W-9 collection, and annual 1099 reporting.
• Review invoice coding against the chart of accounts and ensure proper classification of prepaid vs. operating expenses.
• Process check runs and wire payments. Maintain the AP aging schedule.
• Resolve vendor discrepancies, duplicate payments, and missing documentation

Reconciliations 

• Perform monthly GL reconciliations: bank accounts, investment accounts, accrued interest, prepaid assets, and accrued liabilities.
• Investigate and resolve reconciling items. Maintain organized documentation for audit support.
• Support quarterly CECL documentation and coordinate with external consultants.

Regulatory and Audit Support

• Support quarterly Call Report preparation with accurate GL-to-schedule mapping.
• Prepare workpapers for the annual PCAOB audit and respond to regulatory examination requests.

Qualifications 

Required 

• Bachelor's degree in Accounting, Finance, or related field.
• 3 to 5 years of accounting experience including month-end close, journal entries, and GL reconciliations.
• Strong understanding of U.S. GAAP and accrual-basis accounting.
• Advanced Excel skills: formulas, pivot tables, multi-tab workbook design.
• Detail-oriented with a commitment to accuracy and traceability
• Ability to work independently and manage the close calendar.

Preferred 

• Experience in banking or financial institution accounting.
• Experience with Call Report preparation or investment accounting

What We Offer

• A seat at the table with visibility into regulatory reporting, audit, and executive leadership.
• Opportunity to build and improve accounting systems and controls.
• Competitive salary and benefits pack

**Job Description: **

Are you a motivated professional with a passion for helping individuals secure their dream homes? Join our team as a Mortgage Loan Officer and make a difference in the lives of our clients by guiding them through the loan process with expertise and care.

**Key Responsibilities: **

- **Client Consultation:** Engage with potential borrowers to understand their financial needs and provide tailored loan solutions.- **Loan Origination:** Assist clients in completing loan applications, ensuring accuracy and compliance with all regulatory requirements.- **Financial Analysis:** Evaluate borrower creditworthiness and perform detailed financial analysis to determine eligibility for various loan products.- **Relationship Building:** Cultivate and maintain strong relationships with clients, real estate agents, and other industry professionals to establish a robust referral network.- **Market Awareness:** Stay informed about industry trends, regulations, and products to provide informed and up-to-date advice to clients.- **Documentation and Processing:** Pricing and Negotiating the Rate and Terms of the mortgage loan,  Oversee the loan application process, ensuring all documentation is complete and submitted on time.- **Customer Service Excellence:** Provide exceptional service throughout the loan process, addressing client inquiries and resolving issues promptly.

**Qualifications: **

- Proven experience in mortgage lending or related financial services. - Strong understanding of loan origination processes and applicable regulations. - Excellent communication and interpersonal skills, with a customer-focused approach. - Ability to analyze financial data and make sound lending decisions. - Proficiency with loan origination software and financial analysis tools. - Strong organizational skills and attention to detail.

**Education & Experience: **

- Bachelor’s degree in finance, business, or a related field is preferred, but not required. - Professional certification in mortgage lending is a plus.

**Why Join Us? **

- Competitive commission structure with performance-based bonuses. - Comprehensive benefits package, including health insurance, retirement plans, and paid time off. - Opportunities for professional development and career advancement. - A supportive and dynamic work environment that values teamwork and collaboration.

Embark on a rewarding career as a Mortgage Loan Officer with us and help our clients achieve their financial goals. Apply today to become part of our dedicated and professional team!

Position Summary

The Non-QM Mortgage Underwriter is responsible for the comprehensive credit, income, asset, collateral, and compliance review of residential mortgage loans that fall outside traditional Agency and Qualified Mortgage (QM) guidelines.

The Underwriter evaluates each loan based on applicable investor guidelines, Bank credit policy, regulatory requirements, and sound underwriting principles to determine the borrower’s ability to repay and the overall acceptability of the credit risk.

This position requires significant experience with Non-QM products, including bank statement, asset utilization/depletion, debt service coverage ratio (DSCR), investor cash-flow, alternative documentation, jumbo, and other non-Agency residential mortgage programs.

Essential Duties and Responsibilities

Credit Underwriting

• Perform complete underwriting analysis of Non-QM residential mortgage loan applications.
• Evaluate borrower credit history, liabilities, liquidity, reserves, assets, income, employment, occupancy, and overall credit profile.
• Determine whether loans meet applicable Bank and investor credit and eligibility requirements.
• Analyze compensating factors and layered risk when evaluating loans with multiple risk characteristics.
• Review credit reports, fraud reports, verification documentation, title information, and other supporting documentation.
• Identify inconsistencies, red flags, potential fraud, and documentation deficiencies.
• Apply prudent underwriting judgment when guidelines require interpretation or escalation.

Non-QM Income Analysis

Perform detailed analysis of traditional and alternative income documentation, including:

• Personal and business tax returns.
• W-2 and salaried income.
• Self-employed borrower income.
• Bank statement programs, including personal and business bank statements.
• Profit-and-loss statement programs.
• 1099 income programs.
• Asset utilization and asset depletion programs.
• Rental and investment-property income.
• DSCR and property cash-flow programs.
• Other alternative documentation programs permitted by approved investor guidelines.

The Underwriter must understand the differences among investor methodologies and correctly apply the applicable calculation methodology to each loan.

DSCR and Investor Property Underwriting

• Calculate and validate DSCR in accordance with applicable program and investor requirements.
• Review lease agreements, market rents, appraisal rental schedules, taxes, insurance, HOA expenses, and other required property information.
• Determine property and borrower eligibility for business-purpose and investor-property loan programs.
• Identify circumstances requiring additional documentation or escalation.

Collateral Review

• Review residential appraisals for completeness, consistency, marketability, and compliance with applicable program requirements.
• Evaluate comparable sales, adjustments, property condition, market trends, and unusual property characteristics.
• Review automated valuation models, appraisal review products, desk reviews, field reviews, and other collateral documentation when required.
• Identify appraisal or property issues requiring escalation to management, appraisal review, or the investor.

Investor and Secondary Market Eligibility

• Underwrite loans to approved Non-QM investor guidelines and Bank credit policy.
• Maintain working knowledge of multiple investor matrices, overlays, exceptions, and documentation requirements.
• Ensure loans are structured to meet the requirements of the anticipated secondary-market execution.
• Identify potential investor eligibility or salability issues before final loan approval.
• Work with Secondary Marketing and Capital Markets personnel to resolve investor eligibility questions and determine appropriate loan execution.
• Assist in addressing investor suspense conditions, post-purchase inquiries, and underwriting-related conditions when necessary.

Compliance and Ability-to-Repay

• Evaluate loans for compliance with applicable federal and state mortgage lending requirements.
• Apply applicable Ability-to-Repay requirements to consumer-purpose Non-QM transactions.
• Understand the distinction between consumer-purpose Non-QM lending and applicable business-purpose/investor-property transactions.
• Review documentation for consistency with loan purpose, occupancy, product eligibility, and applicable regulatory requirements.
• Escalate potential compliance concerns before final approval.

Loan Decisions and Conditions

• Issue clear underwriting decisions, including approval, conditional approval, suspension, counteroffer/restructure recommendation, or denial within delegated authority.
• Establish appropriate underwriting conditions necessary to support the credit decision.
• Review submitted conditions and determine whether underwriting requirements have been satisfactorily addressed.
• Document underwriting rationale clearly enough to support internal review, quality control, investor review, regulatory examination, and audit.
• Escalate policy exceptions and loans outside delegated authority to the appropriate credit authority.

Exceptions and Risk Management

• Identify loans requiring policy, guideline, or investor exceptions.
• Prepare clear written explanations of the risk presented and applicable compensating factors.
• Do not approve exceptions outside established underwriting authority.
• Escalate material credit, compliance, fraud, collateral, or investor eligibility concerns to management.
• Maintain independence of underwriting judgment and avoid inappropriate influence from production personnel.

Quality Control and Post-Closing Support

• Assist with responses to pre-funding and post-closing quality-control findings.
• Respond to investor purchase conditions and underwriting questions.
• Assist with remediation of documentation deficiencies.
• Participate in analysis of underwriting defects, repurchase requests, early payment defaults, and investor trends when applicable.
• Provide feedback regarding recurring underwriting, processing, documentation, or origination issues.

Performance Expectations

The Non-QM Mortgage Underwriter is expected to maintain:

• High-quality and consistent credit decisions.
• Compliance with Bank and investor guidelines.
• Appropriate underwriting turn times.
• Low material defect rates.
• Low investor suspense and purchase-condition rates.
• Complete and defensible underwriting documentation.
• Appropriate identification and escalation of exceptions and risk.
• Professional communication with production, operations, compliance, secondary marketing, and management.

Production volume or turn-time expectations shall not override the Underwriter’s responsibility to make independent and prudent credit decisions.

Required Qualifications

• Minimum 5 years of residential mortgage underwriting experience preferred.
• Minimum 2–3 years of direct Non-QM or non-Agency underwriting experience strongly preferred.
• Demonstrated experience underwriting bank statement, DSCR, jumbo, self-employed, asset utilization/depletion, and alternative-documentation loans.
• Strong knowledge of residential mortgage credit analysis.
• Strong understanding of self-employed borrower and business cash-flow analysis.
• Experience working with multiple Non-QM investors and investor-specific guidelines.
• Knowledge of Ability-to-Repay requirements and applicable residential mortgage regulations.
• Strong understanding of appraisal and collateral analysis.
• Experience with loan origination systems, automated underwriting tools, fraud-detection systems, and investor portals.
• Strong analytical, organizational, written communication, and decision-making skills.

Preferred Qualifications

• Experience underwriting loans for secondary-market sale.
• Experience with delegated underwriting authority.
• Experience underwriting both consumer-purpose Non-QM and business-purpose DSCR/investor loans.
• Experience with jumbo and complex high-net-worth borrowers.
• Experience working within a bank or regulated financial institution.
• Familiarity with quality control, investor due diligence, loan purchase reviews, and repurchase-risk management.

Authority and Accountability

The Non-QM Mortgage Underwriter operates within delegated underwriting authority established by the Bank and/or applicable investor.

The Underwriter is accountable for ensuring that each approved loan is supported by appropriate documentation, meets applicable credit and investor requirements, and presents an acceptable level of risk.

Loans outside established authority, policy, or investor guidelines must be escalated to the appropriate approval authority. The Underwriter may not approve his or her own exception beyond delegated authority.

Independence

The underwriting function shall maintain appropriate independence from mortgage production. Compensation and performance management for the Underwriter shall not be structured in a manner that encourages approval of loans that do not meet applicable credit, regulatory, or investor requirements.

The Underwriter is expected to exercise independent professional judgment and has the authority and responsibility to suspend, decline, condition, or escalate a loan when the credit risk, documentation, compliance, collateral, or investor eligibility does not support approval.

Location: [Office Location / Remote / Hybrid]

Compensation: [Salary or Hourly Range] + [Bonus/Incentive, if applicable]

Reports To: Mortgage Loan Officer / Branch Manager

Position Overview

Midland Federal Savings and Loan is seeking a highly organized and service-focused Mortgage Loan Officer Assistant (LOA) to support our loan officers throughout the mortgage origination process. This role coordinates borrower communication, collects documentation, maintains accurate loan files, and works closely with processing, underwriting, title, and other partners to help loans move efficiently toward closing.

The ideal candidate is detail-oriented, responsive, comfortable managing multiple deadlines, and committed to delivering an excellent borrower experience.

Key Responsibilities

• Assist loan officers with managing mortgage applications from initial inquiry through closing.
• Communicate with borrowers, real estate agents, title companies, processors, underwriters, and internal teams.
• Gather and review borrower documentation, including income, asset, employment, insurance, and identification records.
• Enter and update borrower and loan information in the loan origination system.
• Monitor loan milestones, deadlines, conditions, and outstanding documentation.
• Prepare loan files for processing and help resolve incomplete or inconsistent information.
• Provide borrowers with timely status updates and clear explanations of next steps.
• Schedule appointments and assist with pre-approval and follow-up activities.
• Maintain accurate records in accordance with company policies and applicable mortgage regulations.
• Protect confidential borrower and financial information.
• Support loan officer relationship-building, pipeline management, and business-development activities.
• Perform other administrative and operational duties as assigned.

Qualifications

• High school diploma or equivalent required; associate or bachelor's degree preferred.
• [1-2] years of mortgage lending, banking, real estate, title, or financial-services experience preferred.
• Familiarity with mortgage terminology, documentation, and the loan origination process.
• Experience with [Encompass, Byte, LendingPad, Calyx Point, or other LOS] preferred.
• Strong organizational, time-management, and problem-solving skills.
• Excellent written and verbal communication skills.
• Ability to manage multiple files and priorities in a deadline-driven environment.
• High level of accuracy, discretion, and attention to detail.
• Proficiency with Microsoft Office, Google Workspace, and customer relationship management systems.
• Ability to work independently while collaborating effectively with a team.
• NMLS registration or state licensing may be required depending on assigned duties and applicable law.

Preferred Skills

• Experience supporting a high-producing mortgage loan officer or team.
• Knowledge of conventional, FHA, VA, USDA, and jumbo loan products.
• Familiarity with compliance requirements, disclosures, and underwriting conditions.
• Bilingual communication skills, particularly in [Language], are a plus.

What We Offer

• Competitive compensation.
• Performance-based bonus opportunities.
• Medical, dental, and vision insurance.
• Paid time off and company holidays.
• Retirement plan with [company match, if applicable].
• Training and professional-development opportunities.
• Collaborative, growth-oriented work environment.

• Loan File Preparation & Verification

1. Collect, request, and verify borrower documents (pay stubs, bank statements, tax returns- organizing the virtual file)

1. Review and verify loan applications for completeness and accuracy before submission to underwriting

1. Prepare, scan and process loan documents for approval and compliance as required

• Coordination & Communication

1. Communicate with borrowers, real estate agents, title companies, and internal teams to gather information and provide status updates

1. Respond to client inquiries and maintain clear, professional communication

• Loan Process Support

1. Order third-party reports (appraisals, title searches, flood certifications, credit reports) as needed

1. Assist with loan closings, prepare final documents, tracking insurance and exceptions and coordinate scheduling

• Recordkeeping & Systems

1. Maintain accurate, up-to-date loan data and communication logs in the institution’s processing software

1. Create and maintain physical and electronic loan files; post closing/funding details

1. Conduct post-closing file audits to ensure completeness and proper archiving.

Qualifications & Skills

• Education: Post-secondary education in business administration, finance, accounting, or related field preferred
• Experience: Entry-level; prior customer service, administrative, or loan-related experience is a plus
• Skills:

1. Strong organizational and time management abilities

1. Proficiency with office software (Microsoft Office, loan processing systems)

1. Attention to detail, confidentiality, and ability to multi-task

1. Good written and verbal communication skills