Mortgage Loan Officer

Job Description

Job Description

Michigan’s #1 brokerage partnering with United Wholesale Mortgage (UWM). Based in Birmingham, MI, Swift Home Loans is a fast-growing brokerage. Our culture is high-energy based and fun, and the opportunity for success and growth is exceptional. It’s not about where you are—it’s about who you’re with. We believe in investing in our people just as much as our clients. Apply today to see what the hype is about!

Responsibilities:
- Evaluate loan applications and determine the creditworthiness of applicants
- Conduct thorough financial analysis and assess the risk associated with each loan application
- Negotiate loan terms and conditions with clients to ensure mutually beneficial agreements
- Collaborate with clients to gather necessary financial documents and information for loan processing
- Utilize loan origination software, such as Quicken, to streamline the application and approval process
- Perform credit analysis to assess the likelihood of repayment and adherence to TILA regulations
- Maintain accurate records of loan applications, approvals, and denials
- Collaborate with underwriters and other team members to ensure smooth loan processing
- Stay up-to-date with industry trends, regulations, and best practices in loan origination

Qualifications:
- Proven experience in financial sales or a related field
- NMLS license required
- Strong knowledge of loan origination processes and procedures
- Familiarity with accounting software for financial analysis purposes
- Excellent negotiation skills to secure favorable terms for both the client and the bank
- Ability to analyze creditworthiness and assess risk accurately
- Strong attention to detail and ability to work in a fast-paced environment
- Excellent communication skills, both written and verbal
- Ability to build rapport with clients and provide exceptional customer service

Please note that this job description is not exhaustive and additional responsibilities may be assigned as needed.

Job Type: Full-time

Pay: Commission based minimum annual salary at $24,000.00 - $350,000.00

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Vision insurance

License/Certification:

• MLO License (Required)

Ability to Commute:

• Birmingham, MI 48009 (Required)

Work Location: In person

DISCLAIMER
The responsibilities and duties described above are essential functions of the role and are subject to reasonable accommodation and change. All listed job requirements represent the minimum level of knowledge, skills, and/or ability necessary to perform the job successfully. Team members may be asked to perform additional job-related duties as requested by their supervisor, subject to reasonable accommodation. This job posting does not constitute a contract of employment, either express or implied. Employment with Swift Home Loans is at-will and may be terminated at any time by either party, with or without cause or notice. Swift Home Loans is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. By submitting an application, you acknowledge and consent to any job-related communication, including potential call recordings for quality assurance and training purposes.