Loan Officer

Overview

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers with the best terms available while maintaining professionalism and service unsurpassed in the lending industry.

The Loan Officer plays an important role in the organization by performing a variety of activities directly related to the company’s production functions. The role is primarily responsible, under moderate supervision, for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, reviewing files for adherence to underwriting standards, ensuring completeness of submission to processing, contacting borrowers to collect necessary documentation and acting as a liaison between origination staff, underwriters and customers.

• 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.
• Answer customer inquiries regarding rates, products, and loan application status to ensure quality customer service.
• 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.
• Partner with production support teams to generate sales using company and online marketing resources; coordinate, create, track, and distribute marketing materials.
• 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.
• Obtain accurate 1003 and close at least two (2) loans a month or six (6) loans a quarter.
• Collect supporting documentation from borrower:
  • 30‑day pay stubs
  • 2 years of tax returns
  • Last 2 years of W‑2s
  • Award letters, disability, trust income, etc.
  • LOE for gaps in employment
  • Needs list and complete application at initial contact
  • 2 months of bank statements
  • Executed disclosures within regulatory time frame
  • Accurate AUS findings
• Analyze credit report and financial scenario, determining appropriate loan product(s).
• Determine pricing for a profitable loan and communicate fees to operations 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.
• Deliver exceptional customer service by keeping clients and agents informed during the loan process and addressing all 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 Managing Loan Officer.

Education: High school diploma or equivalent required.

Experience: At least two years in mortgage lending or a related field.

Certifications/Licenses: NMLS License.

• Flexibility to meet customers outside the branch.
• 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.

• Excellent verbal and written communication skills.
• Highly organized and detail‑oriented; ability to work in a fast‑paced, metrics‑driven environment.
• Proficiency in Microsoft Office Suite, including Word and Excel, and commercially used cloud‑based programs.

• 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

Work is primarily sedentary; mobility in an office…