Loan Officer

Position Summary

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 relationships with borrowers through completing the origination processing of application, loan disclosure, reviewing files for adherence to underwriting standards, and ensuring completeness of submission to processing. The Officer contacts borrowers to collect necessary documentation and acts 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 unique needs.
• Answer customer inquiries involving 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 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 tax returns
  • Last 2 years W2’s
  • Award letters, disability, trust income, etc.
  • LOE for gaps in jobs
  • At initial contact with borrower provide needs list and complete application
  • 2 months bank statements
  • Obtain executed disclosures within regulatory time frame.
  • Obtain accurate AUS findings.
  • Analyze credit report and financial scenario, determining 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 CD to ensure fees and cash at closing are consistent with commitment to customer.
• Deliver exceptional customer service by keeping clients/agents informed during the loan process and addressing all their 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.

High school diploma or equivalent required.

At least two years of experience in mortgage lending or a related field.

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, Word, Excel, Wiki, collaborative cloud‑based programs, and third‑party software applications.
• 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.

Guild offers a pleasant work environment, competitive compensation, and an excellent benefits package including medical, dental, vision, life insurance, AD&D, LTD, and a 401(k) with employer match.

Guild Mortgage Company is an Equal Opportunity Employer.

This document describes the general content and identifies essential functions and requirements for performing this position. It is not intended to be an exhaustive statement of duties, responsibilities, or requirements. Guild Mortgage complies with the ADA and considers reasonable accommodation measures that may be necessary for eligible applicants/employees to perform essential job functions. Employment with Guild Mortgage is “at‑will,” meaning that either the Company or an employee may terminate the employment relationship at any time, with or without cause, advance notice or stated justification.