Originating Loan Officer Assistant; L2C

Guild Mortgage Company
, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.

The Originating Loan Officer Assistant (L2C) plays an important role in the organization by performing, under direct supervision, a number of activities related to assisting originators build complete loan files for submission. This role performs the Lead to Contract duties. The role also provides 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.

• 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.
• Assist clients in completing mortgage applications, collecting necessary documentation, and ensuring compliance with lending guidelines.
• Develop and maintain positive relationships with all our referral sources to generate prospects for loans.
• 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.
• Collect supporting documentation from borrower to include:
  • 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 regulations time frame
  • Obtain accurate AUS findings and prepare the Initial Fee Worksheet
• Analyze credit report and financial scenario, determining appropriate loan product(s).
• Determine (price) 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: issue lender credit if needed. If loan out of balance, work with processor & branch manager to request subsidy.
• Partner with production support teams to generate sales using company and online marketing resources. Coordinate, create, track and distribute marketing materials.
• 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 Loan Officer.

• Assist originator in appointment setting with prospective and new applicants.
• Provide new lead call backs within 20 minutes and maintain a 35% conversion rate from lead to appointment.
• Set and confirm appointments for originator and manage calendar.
• Provide administrative support managing various client databases (lead tracker, MyCircle, Zillow, etc.). Send new clients online pre‑qualification link on behalf of originator.
• Assist the originator with obtaining an accurate and thorough 1003.
• Analyze customer’s credit and financial scenario and determining appropriate loan product(s).
• Run credit on loans assigned to an originator.
• Run AUS findings and prepare the Initial Fee Worksheet.
• Pull and prep web applications and other duties; including updating credit reports and AUS findings.
• Request status updates from pre‑approved clients and referral sources (weekly TBD calls).
• Keep up to date with company approved programs and software systems; implement and execute new systems for team and clients.
• Provide marketing support by coordinating, creating, obtaining compliance approval, tracking, and distributing advertising materials as needed.
• Manage monthly compliance‑approved email marketing to realtors.