Originating LOA

Guild Mortgage•Tampa, FL

2d•$36,344 - $60,574

About The Position

The Originating Loan Officer Assistant works under direct supervision to assist loan originators in building complete loan files for submission. The role supports the origination and processing of applications and disclosures, reviews files for adherence to underwriting standards, and ensures submissions to processing are complete. It also provides customer and referral-source support throughout the loan process. The position covers work from lead to contract and contract to close. Duties include consulting with clients about mortgage eligibility and products, assisting with applications and documentation, maintaining referral relationships and lead databases, coordinating with lending partners, preparing and submitting loan packages, and keeping clients and referral sources informed. The role also supports marketing activities, follows applicable lending guidelines and company processes, and helps address file issues and loan conditions.

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 attention to detail and organizational skills.
Strong sense of urgency and responsiveness.
Commitment to excellent customer service and demonstrated patience and professionalism with internal and external customers.
Strong verbal and written communication skills and basic math skills.
Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications.
Ability to work in a fast-paced, metrics-driven environment.
Commitment to company values: customer service, integrity, respect, collaboration, learning, and excellence.

Responsibilities

Conduct consultations with clients about financial goals and mortgage eligibility; explain mortgage products and offer tailored recommendations.
Assist clients with mortgage applications, collect required documentation, and ensure compliance with lending guidelines.
Develop and maintain referral-source relationships, build lead sources, generate new leads, and maintain client and referral lists.
Collaborate with underwriters, processors, realtors, and lenders to facilitate loan approvals.
Collect borrower documentation, including paystubs, tax returns, W-2s, income award letters, explanations for employment gaps, and bank statements; provide needs lists and complete applications at initial contact.
Obtain executed disclosures within regulatory timeframes, obtain accurate AUS findings, and prepare the Initial Fee Worksheet.
Analyze credit reports and financial scenarios to determine appropriate loan products; price loans and communicate fees to the operations team.
Submit complete loan packages to processing and lock interest rates.
Review closing disclosures to ensure fees and cash due at closing align with the customer commitment; issue lender credits or work with the processor and branch manager to request a subsidy when needed.
Partner with production support teams to generate sales using company and online marketing resources; coordinate, create, track, and distribute marketing materials.
Keep clients and agents informed throughout the loan process, respond to questions and concerns, and deliver customer service.
Stay current with industry regulations, lending trends, and mortgage guideline changes.
Perform other reasonable duties required by Guild Mortgage Company or the Loan Officer.
Assist the originator with setting appointments; return new lead calls within 20 minutes and maintain a 35% lead-to-appointment conversion rate.
Manage client databases and lead trackers, send online pre-qualification links, help complete accurate and thorough 1003 applications, and run credit on assigned loans.
Request status updates from pre-approved clients and referral sources through weekly calls; keep current with approved programs and software and implement new systems for the team and clients.
Coordinate marketing materials, obtain compliance approval, track and distribute advertising, and manage monthly compliance-approved email marketing to realtors.
Monitor transaction dates; send forms, disclosures, agreements, and supporting documents for customer completion and signature; manage document collection.
Track active loans in the assigned originator’s database, maintain customer contact, answer basic inquiries, and provide referral sources with loan-status updates in accordance with privacy and information-safeguarding policies.
Order 4506T, SSA, credit supplements, AccountCheck, and Work Number as needed.
Prepare and submit loan applications to processing, help resolve file issues, escalate processor conditions as required, and assist processors in clearing loan conditions.
Adhere to established process protocols and apply them in a timely manner.