Loan Officer

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This position is for GUARANTY MORTGAGE SERVICES, one of the Family of Companies of Newrez LLC.

Guaranty Mortgage Services offers a hands-on, personalized approach and nurtures our customers creating long-term relationships. We’re not just a partner, we become a collaborator. We have the flexibility to meet the individual needs of our customers. We have a stable and tenured leadership team. We are innovative in our product line, offer competitive pricing, maximize our use of employee training and technology, and provide outstanding service to our customers.

Integrity and honesty are at the forefront of our process.

Our team is passionate, has a can-do positive attitude and has a strong desire to deliver a memorable customer experience with every loan.

Ready to be part of our highly respected team? Apply today!

In addition to the locations listed, we also have opportunities in Blue Ridge, GA.

Do you enjoy helping people build their financial future? You will be responsible for developing, soliciting and negotiating new business and loan referrals using a network of resources, such as, Realtors/Brokers, Homebuilders, retail bank branches and business organizations. You’ll also be responsible for maintaining and developing existing relationships with joint venture partnerships and marketing alliances in order to increase capture rates and increase profitability.

Requirements

• Utilize and develop a network of resources for mortgage loan business development and solicitation for new business.
• Utilize, manage and market to a database of customer contacts.
• Maintain a positive sales environment by educating potential borrowers, Real Estate Agents and Home builder sales representatives on the Company’s products and services; create and deliver presentations when necessary.
• Complete thorough loan applications by communicating with perspective applicants and obtain specified information relating to the loan or credit application; correspond with applicant via telephone, email or in-person to resolve any questions regarding application information.
• Perform prequalification assessment and analysis of financial condition and risk of financing requests within the Company’s credit policies and programs, as well as all state and federal lending regulations (FHA, VA, Fannie Mae, Freddie Mac, Conventional, Conforming, Rural Housing Development, Bond and Portfolio).
• Negotiate rate, terms and conditions of the loan.
• Lock loans on time and in the correct product type to avoid fall-out.
• Collect up-front fees from applicant.
• Submit complete loan application, including all required documents and disclosures, and coordinate the process with assigned processing center.
• Input loans into appropriate Automated Underwriting System (AUS), such as DU or LP, for underwriting decision.
• Assist with, and solve, issues relating to processing, underwriting and closing of loans within employee’s loan pipeline.
• Develop and maintain knowledge of the financial industry, economy, market conditions, rates, vendors and competition.
• Represent the Company in various community and civic functions to enhance the Company’s image and develop additional business.
• Consistently apply superior decision making techniques relating to applicant inquiries, approvals, and requests as they pertain to existing policies, regulations and procedures.
• Maintain compliance on all loan files and pipeline.
• Other duties as assigned.

• Ability to plan for contingencies and anticipate problems and identify risks.
• Ability to negotiate persuasively to produce positive outcomes.
• Ability to effectively listen and respond to customers’ needs.
• Ability to demonstrate a strong desire to satisfy one’s internal and external customers by displaying superior customer service skills.
• Ability to demonstrate corporate responsibility by living our core values – Superior Customer Service, Integrity, Respect, Hard Work, and Long Term Commitment.
• Ability…