What are the responsibilities and job description for the Licensed Mortgage Loan Officer (Onsite | Birmingham, MI) position at Swift Home Loans Inc?
Swift Home Loans is Michigan’s #1 mortgage brokerage and a proud partner of United Wholesale Mortgage (UWM), the nation’s largest wholesale lender. Our close alignment with UWM provides Mortgage Loan Officers with access to competitive products, efficient underwriting, and the operational support needed to close loans at scale. We’ve built our platform, office environment, and leadership team around one core belief: it’s not about where you are — it’s about who you’re with.
Responsibilities
Originate residential mortgage loans in a high-volume, call-center environment using company-provided leads and call routing.
Consult with borrowers to evaluate financial profiles, creditworthiness, and loan eligibility across multiple mortgage products.
Take complete loan applications and gather required documentation to support underwriting and approval.
Structure loan options and explain terms, rates, and conditions to borrowers in a clear, compliant manner.
Utilize loan origination systems, CRM, and dialing technology to manage pipeline activity and follow-ups efficiently.
Partner closely with in-house processors, underwriters, and leadership to move loans from application to closing.
Ensure all loan files meet regulatory, compliance, and disclosure requirements, including adherence to TILA and applicable state and federal guidelines.
Maintain accurate, up-to-date records of applications, approvals, denials, and pipeline status.
Meet or exceed individual production, quality, and compliance expectations in a fast-paced, team-oriented environment.
Qualifications
Active NMLS license in good standing (required).
Experience in mortgage loan origination, financial sales, or a high-volume call-center lending environment.
Working knowledge of residential mortgage products, loan origination processes, and compliance requirements.
Ability to analyze borrower financial information, credit reports, and documentation to determine loan eligibility.
Strong phone presence with the ability to communicate clearly, professionally, and confidently with borrowers.
Proven ability to manage a pipeline, prioritize follow-ups, and perform in a fast-paced, metrics-driven environment.
Attention to detail with a commitment to accuracy, compliance, and documentation standards.
Strong interpersonal skills with the ability to build rapport, establish trust, and deliver a high-quality borrower experience.
Proficiency with loan origination systems, CRM tools, and standard office technology.
Please note: This job description is not intended to be all-inclusive. Additional duties and responsibilities may be assigned as business needs evolve.
Job Type: Full-time
Pay: Commission based income with a minimum annual salary with earnings potential of over $750,000.00
Benefits:
401(k)
Health insurance
Dental insurance
Vision insurance
Life insurance
LICENSE / CERTIFICATION
Active Mortgage Loan Originator (MLO) License through the Nationwide Multistate Licensing System (NMLS), in good standing (required)
Ability to commute to: Birmingham, MI 48009 (required)
Work Location: On-site, in-person at our Birmingham office
Disclaimer
The responsibilities and duties described above represent the essential functions of this role and are subject to change and reasonable accommodation. All listed qualifications and requirements reflect the minimum level of knowledge, skills, and abilities necessary to perform the job successfully. Team members may be required to perform additional job-related duties as assigned, consistent with business needs and reasonable accommodation.
This job posting does not constitute an employment contract, either express or implied. Employment with Swift Home Loans is at-will and may be terminated by either the employee or the company at any time, with or without cause or notice.
Swift Home Loans is an Equal Opportunity Employer. We are committed to fostering a diverse and inclusive workplace and do not discriminate on the basis of any legally protected status. By submitting an application, candidates acknowledge and consent to job-related communications, including the potential recording of calls for training and quality assurance purposes.
Salary : $24,000 - $750,000