Mortgage Loan Officer

Guardian Mortgage Company, Satisfying Customers Since 1965 Guardian Mortgage has been in the mortgage lending and servicing business in southeastern Michigan and north central texas since the 1960s. It is an independently owned and managed company that specializes in originating single family, owner occupied, home mortgages (first mortgages). Our mission statement is to personally serve every customer’s short-term mortgage needs to ensure their long-term financial success, generation after generation. Job Description Provide sales support and strong communication to customers, processors, and management from loan pre-qualification to loan closing. Complete mortgage applications using GMC loan product system, including initial Mortgage policy and government regulations. Maintain in good standing all Loan Officer Licenses in State(s) for which Loan Officer is authorized to conduct business and performs services. Pre-Qualify potential borrowers according to policies and procedures and applicable law, collect and analyze each applicant’s financial information and assess financial circumstances to determine whether applicant and property qualify for a particular loan. Assist potential borrowers in identifying and securing a mortgage loan appropriate for individual financial circumstances. Make inquiries of verified and documented information with respect to applicant’s income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as characteristics of the property. Advise potential borrowers of risks/benefits of loan alternatives, including options & variables. Obtain and present loan options for each type of loan transaction the potential borrower has expressed interest (e.g., a fixed-rate loan, adjustable rate loan, etc.). Maintain high level knowledge of changes in market conditions, loan products & variations, and compliance. Consistently hit ongoing deadlines regarding loan originations, etc. Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state/federal law and regulation. Other duties as assigned. Qualifications Superior internal and external customer service skills, interpersonal and communication skills Excellent verbal and written communication skills Professional and leadership qualities Ability to maintain confidentiality Strong planning and organizing skills Interpersonal skills List any special certifications, licenses, and/or knowledge requirements for this job: Proficient in Microsoft Office Suite NMLS Licensing Required 1+ years of directly related experience and training #J-18808-Ljbffr Guardian Mortgage Company, Inc