Loan Officer; Jr

Guild Mortgage Company
, closing loans and opening doors since 1960. As a mortgage banking firm, we are dedicated to serving the homeowner/buyer and providing affordable home financing with the best terms and unrivaled professionalism.

The Loan Officer Jr. plays an important role 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 applications, loan disclosure, reviewing files for adherence to underwriting standards, ensuring completeness of submission to processing, collecting 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 eligibility for mortgage loans.
• Educate clients on various mortgage products, terms, and options, offering personalized recommendations based on their needs.
• Answer customer inquiries regarding rates, products, and loan application status to ensure quality service.
• Assist clients in completing mortgage applications, collecting documentation, and ensuring compliance with lending guidelines.
• Develop and maintain positive relationships with referral sources to generate loan prospects.
• 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 and thorough 1003 and close at least two (2) loans a month or six (6) loans a quarter.
• Collect supporting documentation from borrower:
  • 30‑day paystubs
  • 2 years of tax returns
  • Last 2 years W‑2s
  • Award letters, disability, trust income, etc.
  • Letter of Explanation for gaps in employment
  • Needs list and completed application at initial contact
  • 2 months bank statements
  • Executed disclosures within regulatory time frame
  • Accurate AUS findings
• Analyze credit report and financial scenario to determine appropriate loan product(s).
• Determine a profitable loan and communicate fees to ops team.
• Submit a complete loan package to processing.
• Lock in rate.
• Review closing details to ensure fees and cash at closing are consistent with commitment to the customer:
  • Deliver exceptional customer service by keeping clients, agents, and stakeholders informed during the loan process and addressing all questions and concerns.
  • Stay current with industry regulations, lending trends, and mortgage guideline changes.
• Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer.

• Education:
  
  High school diploma or equivalent required.
• Experience:
  
  Minimum two years in mortgage lending or related field.
• Certification/Licenses: NMLS required.

• 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, Word, Excel, Wiki, collaborative cloud‑based programs, and third‑party software applications.
• Commitment to company values:
  Integrity, Respect, Collaboration, Learning, and Excellence.

Work is primarily sedentary; requires mobility in an office setting.

Ability to operate standard office equipment and keyboards.

Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately…