Responsible for assisting clients secure mortgage loans to purchase or refinance properties. He/She acts as intermediaries between clients and
the lending institutions, and ensures that all parties involved adhere to the legal and financial requirements throughout the mortgage process.SPECIFIC DUTIES AND RESPONSIBILITIES

• Discuss with prospective borrowers their financial situation, goals, and preferences regarding mortgage options.

• Guide clients through the mortgage application process, assisting them in completing necessary paperwork and gathering required documentation.

• Assess clients\' financial profiles, including income, assets, debts, and credit history, to determine their eligibility for various mortgage products.

• Advise clients on the most suitable mortgage products based on their financial circumstances and preferences.

• Negotiate mortgage terms, including interest rates, loan duration, down payment requirements, and closing costs, on behalf of clients.

• Ensure compliance with all relevant regulatory agencies and lending institutions.

• Educate clients about the mortgage process, including potential risks and benefits, loan terms, repayment obligations, and strategies for improving creditworthiness.

• Build positive relationships with clients, real estate agents, appraisers, and other professionals involved in the mortgage transaction to facilitate smooth and timely closings.

• Maintain accurate and organized records of all mortgage applications, approvals, disclosures, and communications with clients and lending institutions.

• Keep abreast of industry trends, market conditions, and regulatory changes affecting the mortgage lending landscape through ongoing training and professional development.

JOB SPECIFICATION:

• Bachelor\'s degree in Finance / Economics / Business Administration or any related field of study, preferred but not mandatory.
• Previous experience in mortgage lending, banking, or financial services, with a strong understanding of mortgage products
• Excellent interpersonal, verbal, and written communication skills
• Strong analytical skills to assess clients financial profiles, evaluate loan options, and in identifying potential risks and opportunities
• Strong attention to details

Paragon Properties