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 relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing. Contacts borrowers to collect necessary documentation and act 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 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 all 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, including 30-day paystubs, 2 years tax returns, last 2 years W2’s, LOE for gaps in jobs, initial needs list, 2 months bank statements, executed disclosures, accurate AUS findings, credit report analysis, loan pricing, complete loan package, rate lock.
• 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 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 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

Work is primarily sedentary; mobility in an office setting.

Manual Dexterity:
Ability to operate standard office equipment and keyboards.

Audio/Visual:
Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation; perceive and interpret information visually and audibly.

Mental:
Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.

This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities. Must adhere to process protocol and apply established protocols in a timely manner.

Work is primarily performed during the business week, Monday
- Friday.

Job Scope:
Responsible for understanding the department/functional area objectives and goals and how own job contributes to achievement of these goals; may contribute insights and ideas on policies, processes, procedures, and efficiency; may recommend changes and enhancements based on analysis and evaluation of circumstances.

Complexity:
Problems are often complex and specialized and may involve unprecedented circumstances; resolution requires investigation, analysis and review of…