Mortgage Loan Officer

Mortgage Loan Officer Swift Home Loans - 3.7 Troy, MI Job Details Full-time $75,000 - $500,000 a year 11 hours ago Benefits Health insurance 401(k) Qualifications Underwriting Customer service Math Banking Credit analysis Full Job Description Overview Join our dynamic team as a Mortgage Loan Officer and become a vital part of helping clients achieve their homeownership dreams! In this energetic role, you'll be the trusted advisor guiding borrowers through the complex mortgage process with enthusiasm and expertise. Your proactive approach will ensure smooth loan origination, processing, and servicing, all while adhering to industry regulations and delivering exceptional customer service. If you thrive in a fast-paced environment and are passionate about financial sales and helping people succeed, this opportunity is perfect for you! Duties Engage with clients to assess their financial needs and explain various mortgage options aligned with FNMA (Fannie Mae) guidelines. Conduct thorough credit analysis, income verification, and property evaluations to determine loan eligibility. Prepare and review loan documentation, contracts, disclosures (including TILA - Truth in Lending Act), and ensure compliance with Fair Housing regulations. Collaborate with underwriters to facilitate timely loan approval by providing accurate information and supporting documents. Utilize mortgage software such as Quicken or other financial software to process applications efficiently. Negotiate terms with clients and third-party partners to secure favorable loan conditions while maintaining regulatory compliance. Maintain excellent customer service by guiding clients through each step of the loan process, from origination to closing, ensuring clarity and confidence. Stay current on banking, escrow procedures, mortgage servicing practices, and industry regulations to provide expert advice. Experience Proven experience as a Loan Officer or in mortgage origination within the financial services sector. Strong background in financial sales, negotiation, credit analysis, and loan processing. Familiarity with FNMA guidelines, TILA disclosures, Fair Housing laws, and underwriting procedures. Proficiency in accounting software, financial software like Quicken, and 10-key typing for data entry accuracy. Excellent math skills including basic math calculations essential for credit analysis and contract review. Demonstrated ability to deliver outstanding customer service while managing multiple loan files efficiently. Knowledge of escrow processes, mortgage servicing practices, and banking operations enhances your effectiveness in this role. Embark on a rewarding career where your expertise helps individuals secure their future homes! We value energetic professionals committed to excellence in financial sales, negotiation skills, and delivering top-tier customer experiences within a compliant framework.

Pay:

$75,000.00 - $500,000.00 per year

Benefits:

401(k) Health insurance

Work Location:

In person