Loan Officer - Bilingual Preferred

Guild Mortgage•Omaha, NE

18h•Onsite

About The Position

The Loan Officer performs activities related to Guild Mortgage Company’s Production functions. Under moderate supervision, the role provides quality borrower relations by originating and processing applications and loan disclosures, reviewing files for adherence to underwriting standards, ensuring submissions to processing are complete, and collecting necessary borrower documentation. The Loan Officer acts as a liaison among origination staff, underwriters, and customers. Spanish bilingual ability is preferred. The role also supports customers and referral partners, coordinates marketing materials and databases, and resolves issues during production and underwriting. The position is primarily sedentary in an office environment, with no travel required. Guild describes the position as at-will and offers competitive compensation, an excellent benefits package, and eligibility for incentive compensation.

Requirements

High school diploma or equivalent.
At least two years of experience in mortgage lending or a related field.
Active NMLS license.
Ability to manage multiple priorities; strong attention to detail and organizational skills.
Strong sense of urgency and responsiveness.
Commitment to excellent customer service.
Patience and professionalism when interacting with internal and external customers.
Proficiency with data entry, PDF software programs, Microsoft Word, and Excel.
Strong verbal and written communication skills.

Nice To Haves

Bilingual in Spanish.

Responsibilities

Obtain an accurate and thorough 1003 loan application.
Collect supporting borrower documentation, including 30-day paystubs, two years of tax returns, the last two years of W-2s, applicable award letters or other income documentation, explanations for employment gaps, and two months of bank statements.
Provide the borrower with a needs list and complete the application at initial contact.
Obtain executed disclosures within regulatory time frames.
Obtain accurate AUS findings.
Analyze credit reports and financial scenarios to determine appropriate loan products.
Price profitable loans and communicate fees to the operations team.
Submit complete loan packages to processing; the stated minimum includes a complete application, signed disclosures, and at least 80% of the documentation required for underwriting approval.
Lock in interest rates.
Review closing disclosures to ensure fees and cash required at closing are consistent with the customer commitment; issue lender credits if needed and coordinate with the processor and branch manager to request a subsidy if a loan is out of balance.
Resolve file problems, bottlenecks, and qualifying issues throughout production and underwriting.
Provide administrative support in collecting and preparing loan applications and supporting documentation for processing.
Coordinate, create, track, and distribute marketing materials.
Manage client and referral partner databases.
Answer customer questions about rates, products, and loan application status.
Perform other reasonable duties required by Guild Mortgage Company or the Managing Loan Officer.