Originating LOA (C2C)

Guild Mortgage•Prineville, OR

3h•$17 - $28•Onsite

About The Position

The Originating Loan Officer Assistant (C2C) plays an important role in the organization by performing, under direct supervision, a number of activities related to assisting originators build complete loan files for submission. This role performs the Contract to Close duties. The role also provides 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.

Requirements

High School Diploma or equivalent, required
Minimum two year's experience in Mortgage lending or related field
NMLS required
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.
Strong verbal and written communication skills.
Basic math skills.
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

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.
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.
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.
Collect supporting documentation from borrower to include: 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 and prepare the Initial Fee Worksheet.
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: Issue Lender Credit if needed. If loan out of balance, work with processor & branch manager to request subsidy.
Partners with production support teams to generate sales using company and online marketing resources. Coordinate, create, track and distribute marketing materials.
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 Loan Officer.
Monitor key dates related to loan transactions and respond accordingly.
Send loan forms, disclosures agreements, and other supporting documentation to customers for completion and signature; manage the collection of completed documents accordingly.
Manage assigned originator's database; tracking active loan(s) and entering data as needed.
Maintain customer contact to ensure follow-up of loan application and answer basic customer inquiries while providing quality customer service.
Provide support in the collection and preparation of submitting loan application with supporting documentation to processing.
Order out 4506T, SSA, Credit Supplements, AccountCheck and Work Number as needed.
Prepare and submit loan applications to processing, helping to resolve any subsequent file issues and escalating processor conditions as required assisting processor in clearing any conditions placed on loan(s).
Reviewing CD to ensure fees and cash at closing are consistent with commitment to customer.
Provide any necessary assistance through production and underwriting process.
Provide status updates to referral sources on active loans, subject to Guild’s policies on Consumer Privacy and Safeguarding of Information.
Answer customer inquiries related to active loan, and/or loan application status.
Acting as a primary point of contact for the customer, and keeping the customer informed throughout the process, subject to the limitations as set forth in Guild’s SAFE Act and Consumer Privacy/Safeguarding in Information policies.
Pricing loan in accordance with Guild’s policies and communicating fees to operations team.
Quoting rates and making commitments regarding locking to customer.
Maintain referral source relationships through quick response time and excellent custom service.
Prepare and send thank you cards to referral sources and new clients.
Collect supporting documentation from customer, gathering necessary documentation for preapproval.
Act as a point of contact for the customer and referral source, keeping them informed throughout the process.
Discuss product features with customer.
Perform other duties as assigned.
Per GUILD company policy and in accordance with investor underwriting guidelines, this role is prohibited from submitting documents to underwriting and ordering written (non-third party) employment, income, deposit, mortgage or rental verifications under any circumstances.