• Evaluate Financial Health: Review clients' financial circumstances, including income, credit score, savings, debts, and overall financial stability.
• Determine Affordability: Help clients understand what they can afford based on their income, expenses, and credit score.
• Explain Mortgage Products: Offer detailed explanations of various mortgage products (e.g., fixed-rate, variable-rate, interest-only mortgages, government-backed loans) and help clients choose the most suitable option for their needs.
• Guide on Loan Terms and Conditions: Advise clients on key terms such as loan amounts, repayment schedules, interest rates, and down payment requirements.
• Collect Necessary Documentation: Guide clients in gathering required documents (e.g., proof of income, tax returns, bank statements, identification) for the loan application.
• Complete Loan Applications: Help clients fill out and submit mortgage application forms accurately.
• Submit Applications to Lenders: Submit completed applications to a network of mortgage lenders or financial institutions for approval.
• Address Underwriting Requirements: Ensure the client’s financial documentation meets the lender’s underwriting guidelines and resolve any issues that arise

Qualifications:

• Financial Knowledge: A strong understanding of mortgage products, financial regulations, and lending processes.
• Attention to Detail: Precision in reviewing clients' financial documentation and ensuring loan applications are complete and accurate.
• Communication Skills: Ability to explain complex financial concepts in simple terms and maintain clear communication throughout the process.
• Negotiation Skills: Expertise in negotiating favorable loan terms with lenders on behalf of clients.
• Customer Service: Strong interpersonal skills to build relationships with clients and guide them through often stressful financial decisions.
• Regulatory Knowledge: Familiarity with mortgage industry regulations, compliance requirements, and ethical lending practices.