Originating LOA (C2C)

Guild Mortgage•Prineville, OR

12d•Onsite

About The Position

Guild Mortgage Company, established in 1960, is a mortgage banking firm dedicated to serving homeowners and buyers by providing affordable home financing with the best available terms and unparalleled professionalism. The Originating Loan Officer Assistant (C2C) is crucial in assisting originators by performing various activities to build complete loan files for submission, handling Contract to Close duties, and maintaining positive borrower relations through efficient loan origination processing, disclosure, and file review for underwriting compliance.

Requirements

High School Diploma or equivalent, required
Minimum two years' 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.
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
Mobility in an office setting.
Ability to operate standard office equipment and keyboards
Ability 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.
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.
Work is primarily performed during the business week, Monday - Friday
Responsible for understanding the department/functional area objectives and goals and how own job contributes to achievement of these goals; may recommend changes and enhancements based on analysis and evaluation of circumstances
Problems are often complex and specialized and may involve unprecedented circumstances; resolution requires investigation, analysis and review of professional/organizational standards
Decisions and actions primarily impact own work with limited impact on peers in their area, contributes as team member rather than leader
Acts as a mentor/guide to less experienced professional contributor staff in a similar role; works independently and only under general direction; guided by professional standards, desired outcomes, and project plan specifications

Nice To Haves

Passion for delivering excellence in customer service.

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.
Assist clients in completing mortgage applications, collecting necessary documentation, and ensuring compliance with lending guidelines.
Develop and maintain positive relationships with 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 borrowers, including paystubs, tax returns, W2s, award letters, and gap explanations.
Provide clients with a needs list and complete applications at initial contact.
Obtain executed disclosures within the regulatory timeframe.
Obtain accurate AUS findings and prepare the Initial Fee Worksheet.
Analyze credit reports and financial scenarios to determine appropriate loan products.
Determine profitable loan pricing and communicate fees to the operations team.
Submit a complete loan package to processing.
Lock in rates.
Review the Closing Disclosure (CD) to ensure fees and cash at closing are consistent with customer commitments.
Issue Lender Credit if needed and work with the processor and branch manager to request subsidies if the loan is out of balance.
Partner 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 and agents informed during the loan process and addressing their questions.
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, managing the collection of completed documents.
Manage assigned originator's database, tracking active loans and entering data as needed.
Maintain customer contact to ensure follow-up of loan applications and answer basic customer inquiries while providing quality customer service.
Provide support in the collection and preparation of submitting loan applications with supporting documentation to processing.
Order 4506T, SSA, Credit Supplements, AccountCheck, and Work Number as needed.
Prepare and submit loan applications to processing, assisting in resolving subsequent file issues and escalating processor conditions as required.
Assist the processor in clearing any conditions placed on loans.
Provide any necessary assistance through the 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 loans or loan application status.
Act as a primary point of contact for the customer, keeping them informed throughout the process.
Price loans in accordance with Guild’s policies and communicate fees to the operations team.
Quote rates and make commitments regarding locking to the customer.
Maintain referral source relationships through quick response time and excellent customer service.
Prepare and send thank you cards to referral sources and new clients.
Collect supporting documentation from customers, gathering necessary documentation for pre-approval.
Act as a point of contact for the customer and referral source, keeping them informed throughout the process.
Discuss product features with customers.
Perform other duties as assigned.