Originating LOA

Guild Mortgage•Tampa, FL

About The Position

The Originating Loan Officer Assistant supports loan originators under direct supervision by helping build complete loan files for submission and providing quality service to borrowers throughout the origination and processing stages. The role assists with mortgage applications, disclosures, document collection, file review, and submission completeness, while helping ensure compliance with lending guidelines and underwriting standards. The assistant supports originators from lead to contract and contract to close. This includes contacting prospective clients, scheduling appointments, maintaining client and lead databases, supporting marketing activities, monitoring transaction dates, collecting and submitting loan documentation, coordinating with processors and referral sources, and keeping borrowers informed. The position also reviews loan pricing and closing disclosures, supports rate locks, and helps resolve file conditions with the processor. The role requires strong organization, attention to detail, urgency, customer service, communication, basic math, and proficiency with Microsoft Office and related software. Work is primarily sedentary in an office environment and is generally performed Monday through Friday during the business week.

Requirements

High school diploma or equivalent.
At least two years of experience in mortgage lending or a related field.
NMLS required.
Ability to manage multiple priorities; strong organization and attention to detail.
Strong sense of urgency and responsiveness.
Commitment to excellent customer service and patience and professionalism when interacting with internal and external customers.
Strong verbal and written communication skills.
Basic math skills.
Excellent verbal and written communication skills and ability to work in a fast-paced, metrics-driven environment.
Proficiency with Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications.
Commitment to company values: customer service, integrity, respect, collaboration, learning, and excellence.
Ability to operate standard office equipment and keyboards.
Ability to interpret sounds and visual information, including words, numbers, and other data.
Ability to learn tasks, remember processes, maintain focus, complete work independently, make timely decisions, adapt to workplace stressors and competing priorities, and follow established protocols.

Responsibilities

Conduct one-on-one consultations to understand clients’ financial goals and assess mortgage loan eligibility.
Explain mortgage products, terms, and options, and provide recommendations based on clients’ needs.
Assist clients with mortgage applications, collect required documentation, and support compliance with lending guidelines.
Develop and maintain relationships with referral sources, build a referral base, generate leads, and maintain client lists.
Collaborate with underwriters, processors, realtors, lenders, and other parties to facilitate loan approval.
Collect supporting documentation, including paystubs, tax returns, W-2s, income award letters, explanations for employment gaps, and bank statements.
Provide borrowers with documentation needs lists, complete applications, and obtain executed disclosures within required time frames.
Obtain accurate AUS findings, prepare initial fee worksheets, analyze credit reports and financial scenarios, and determine appropriate loan products.
Price loans, communicate fees to operations teams, submit complete loan packages to processing, and lock rates.
Review closing disclosures to confirm fees and cash to close align with commitments to customers; issue lender credits or coordinate subsidy requests when needed.
Partner with production support teams and coordinate, create, track, and distribute marketing materials.
Keep clients and agents informed during the loan process and respond to questions and concerns.
Stay current with industry regulations, lending trends, and mortgage guideline changes.
Set appointments with prospective and new applicants and provide callbacks to new leads within 20 minutes, maintaining a 35% lead-to-appointment conversion rate.
Manage client databases and lead trackers, send online prequalification links, obtain accurate and thorough 1003 applications, run credit on assigned loans, and request status updates from pre-approved clients and referral sources.
Maintain familiarity with approved programs and software systems and implement new systems for the team and clients.
Coordinate marketing materials and obtain compliance approval; manage monthly compliance-approved email marketing to realtors.
Monitor transaction dates, send forms and disclosures for signature, and track collection of completed documents.
Manage assigned originator databases, track active loans, enter data, and maintain customer contact to support follow-up and answer basic inquiries.
Order 4506T, SSA, credit supplements, AccountCheck, and Work Number items as needed.
Prepare and submit loan applications and supporting documents to processing, help resolve file issues, escalate processor conditions, and assist with clearing loan conditions.
Provide active-loan status updates to referral sources in accordance with company policies on consumer privacy and safeguarding information.
Perform other reasonable duties required by Guild Mortgage Company or the Loan Officer.