Residential Mortgage Advisor

1 week ago


Sterling Heights, Michigan, United States S I MORTGAGE COMPANY Full time
Job Overview

S I MORTGAGE COMPANY has been a reputable nationwide mortgage lender for over two decades, licensed in 39 states. We are seeking experienced Residential Mortgage Advisors to assess, authorize, or decline loan applications for both primary and investment properties. Our dedicated in-house team, including lock-desk professionals, processors, underwriters, closers, and post-closers, ensures a seamless loan closing process.

Key Responsibilities

  • Assess creditworthiness by reviewing loan applications and relevant documentation within established parameters.
  • Conduct interviews with applicants to evaluate their financial eligibility and the feasibility of loan approval.
  • Calculate applicable ratios and metrics, and develop debt repayment strategies.
  • Engage with clients to gather or provide necessary information.
  • Justify lending decisions (approvals/rejections) and document the rationale.
  • Finalize loan agreements and advise clients on policies and limitations.
  • Stay informed about various loan types and financial services.
  • Maintain and update client account records accurately.
  • Identify customer needs, explore available options, and present different loan products.
  • Build referral networks, recommend alternative channels, and cross-sell products and services to meet sales targets.
  • Foster trust and customer loyalty throughout the underwriting process by going above and beyond.
  • Ensure compliance with all relevant laws and regulations, adhering to lending guidelines.

Essential Skills

  • Active NMLS license.
  • Demonstrated experience as a loan officer.
  • Proficient in using computers and loan management software.
  • Ability to generate loans independently.
  • Knowledgeable in loan setup processes.
  • Strong understanding of both direct and indirect lending products and practices.
  • Exceptional communication and interpersonal abilities.
  • Customer-focused with strong sales skills.
  • Adept at working in a target-driven environment.

Employee Benefits

  • Attractive Compensation Package.
  • Competitive Loan Pricing.
  • Comprehensive Health Insurance.
  • 401K and Health Savings Account options.
  • Flexible Work Schedule.
  • Emphasis on Work-Life Balance.
  • Referral Bonuses for Employees.


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