General Contact


Please contact our Human Resources Department by calling (800) 498-0013 or email your resume and cover letter to


Customer Service Representative

Applicants must possess strong communication skills, be customer service oriented, have good computer skills, be well organized and have the ability to handle multiple tasks within a small branch. Must be able to take additional training and work independently with a minimum of supervision. Balancing and counting skills essential. Previous teller experience desirable.


Junior Mortgage Specialist

This is a full-time position in Alpena located at the Main branch reporting to Teresa Beach, A.V.P- Consumer and Real Estate Lending.

Summary: Responsible for examining, evaluating and authorizing or recommending approval of customers applications for lines of credit, real estate loans, consumer credit loans and attracting loan customers deposit accounts.

Job Requirements:

  • Associate’s degree in business or finance or equivalent combination of education and banking experience.
  • Good sales, organizational, managerial and interpersonal skills.
  • Position requires an entry-level understanding of consumer & mortgage lending. Previous banking and loan processing experience preferred.
  • Good oral and written communication skills in order to effectively communicate with customers and real estate agents about the Bank’s loan programs and policies.
  • Ability to give presentations to groups on loan programs.
  • Ability to learn and follow Bank’s policies regarding lending process and the governmental rules and regulations governing lending process.
  • Ability to work with Sr. mortgage lenders to learn the consumer and mortgage lending business, eventually able to work independently.
  • Must undergo and pass thorough back ground investigation and become registered by National Mortgage Licensing System (NMLS).

Specific Job Functions:

  • Focus on developing an ongoing calling effort to establish referral contacts with local realtors, builders and other professionals and organizations.
  • Solicits first mortgage loans. Informs prospective loan clients of the Bank’s underwriting guidelines and applicable governmental regulations.
  • Personally interviews all loan applicants.
  • Must learn how to originate mortgage and consumer loans by accepting applications and all pre-processing functions. Reviews application for accuracy and completeness and compiles any additional information necessary to complete the process for forwarding to loan operations for processing and underwriting.
  • Screens loan requests based on Bank’s policies and types of loans offered.
  • Consults with loan customers to determine if any additional Bank products and services may be appropriate.
  • Will become knowledgeable on all legislation and regulations that affect lending policies. Learns Secondary Market underwriting requirements. Ensures compliance with new rules by recommending appropriate changes.
  • Personally answers incoming calls and schedules appointments.
  • Assists in presenting complex loans to loan committee for approval.
  •  Assists in communicating complex approvals or denials to the borrower, real estate agent or builder.
  • Learns how to maintain and submit a calling report and pipeline report regularly to supervisor.
  • Distributes market data, rate flyers and general loan information to the real estate community as directed by Bank’s management.
  • Promotes and participates in the Bank’s special credit programs and other CRA programs.
  • Actively participates in local business and community activities and maintains close contact with local builders, developers, real estate brokers, customers and prospects.