Loan Officer

Position

This position is for GUARANTY MORTGAGE SERVICES, a member of the Newrez Family of Companies.

• Develop, solicit and negotiate new business and loan referrals using a network of resources such as Realtors/Brokers, Homebuilders, retail bank branches and business organizations.
• Maintain and develop existing relationships with joint venture partnerships and marketing alliances to increase capture rates and profitability.
• Utilize and develop a network of resources for mortgage loan business development and solicitation for new business.
• Manage and market to a database of customer contacts.
• Educate 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 prospective applicants and obtaining 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 and 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 the assigned processing center.
• Input loans into the 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 the 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.
• 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 internal and external customers with superior customer service skills.
• Ability to demonstrate corporate responsibility by living the core values – Superior Customer Service, Integrity, Respect, Hard Work, and Long Term Commitment.
• Ability to instill trust and confidence in others.
• Ability to convey and receive ideas, information, and directions effectively.
• Ability to exhibit professional written and verbal communication at all times.
• Ability to build and maintain work relationships and contacts needed to effectively address issues and obstacles.
• Ability to value contributions of all team members and resolve workplace conflicts.
• Ability to establish positive rapport with customers.
• Ability to seek out new and creative ways to provide solutions to the customer's needs.
• Ability to demonstrate solid selling skills and techniques.
• Ability to influence others to gain commitment.
• Ability to maintain intense optimism and focus on achieving goals even under adversity.
• Ability to recover quickly from setbacks and rejections.
• Ability to maintain and foster strong partnerships with customers.
• Ability to ensure customer satisfaction throughout the sales process with support and service.
• Ability to complete all required training courses on time.
• Ability to identify customer needs and adapt sales presentations effectively.

• Active MLO license in each state where business is conducted.
• High‑school diploma or GED at a minimum.
• 1‑year lending origination experience.
• Strong PC skills, including Power Point, Excel, Word and Lotus Notes.
• Solid knowledge of state and local real estate markets.
• Must have a smartphone that meets Company security standards and can…