Loan Officer

Guild Mortgage

10d•Onsite

About The Position

The Loan Officer plays an important role in the organization by performing a variety of activities directly related to the company’s Production functions. The role is primarily responsible, under moderate supervision, for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing. Contacts borrowers to collect necessary documentation and act as a liaison between origination staff, underwriters and customers.

Requirements

High school diploma or equivalent required.
At least two years of experience in Mortgage lending or related field.
NMLS License.
Flexibility to meet customers outside the branch.
Ability to manage multiple priorities; strong detail orientation and highly organized.
Works with a strong sense of urgency and responsiveness.
Passionate about delivering excellence in customer service.
Demonstrated patience and professionalism when interacting with both internal and external customers.
Excellent verbal and written communication skills required.
Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.
Commitment to company values.
Customer Service - Proactive attention to each person
Integrity - Do and say what's right
Respect - Treat others with dignity
Collaboration - Listen and work together
Learning - Seek knowledge and strive for improvement
Excellence – Deliver the unexpected
Ability to operate standard office equipment and keyboards
Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation.
Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.
This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities.
Must be able to adhere to process protocol.
Must be able to apply established protocols in a timely manner.

Responsibilities

Conduct one-on-one consultations with clients to understand their financial goals and assess their eligibility for mortgage loans.
Educate clients on various mortgage products, terms, and options, offering personalized recommendations based on their unique needs.
Answer customer inquiries involving rates, products, and loan application status to ensure quality customer service.
Assist clients in completing mortgage applications, collecting necessary documentation, and ensuring compliance with lending guidelines.
Develop and maintain positive relationships with all our referral sources to generate prospects for loans.
Partners with production support teams to generate sales using company and online marketing resources. Coordinate, create, track and distribute marketing materials.
Build a referral base with lead sources; Self-generate new leads and maintain established referral sources and client lists.
Collaborate closely with underwriters, processors, realtors, and lenders to facilitate a seamless loan approval process.
Obtain accurate and thorough 1003 and close at least two (2) loans a month or six (6) loans a quarter.
Collect supporting documentation from borrower: 30-day paystubs, 2 years tax returns, Last 2 years W2’s, Award letters, disability, trust income, etc., LOE for Gaps in jobs, At initial contact with borrower provide needs list and complete application, 2 months bank statements, Obtain executed disclosures within regulations time frame, Obtain accurate AUS findings.
Analyze credit report and financial scenario, determining appropriate loan product(s).
Determine (price) a profitable loan and communicate fees to ops team.
Submit a complete loan package to processing.
Lock in rate.
Review CD to ensure fees and cash at closing are consistent with commitment to Customer:
Deliver exceptional customer service by keeping clients/agents informed during the loan process and addressing all their questions and concerns.
Stay current with industry regulations, lending trends, and changes in mortgage guidelines.
Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer