Loan Officer Assistant Jobs

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.

Position Summary

The Loan Officer Assistant plays an important role in the organization by performing, under direct supervision, several activities related to assisting originators build complete loan files for submission. This role may perform the Lead to Contract and/or Contract to Close duties.

Essential Functions

Lead to Contract duties:

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

Contract To Close Duties

• Monitor key dates related to loan transactions and respond accordingly.
• Reviewing CD to ensure fees and cash at closing are consistent with commitment to customer.
• Maintain customer contact to ensure follow-up of loan application and answer basic customer inquiries while providing quality customer service.
• Answer customer inquiries related to active loan, and/or loan application status.
• Provide support in the collection and preparation of submitting loan application with supporting documentation to processing.
• Provide status updates to referral sources on active loans, subject to Guild’s policies on Consumer Privacy and Safeguarding of Information.
• Provide any necessary assistance through production and underwriting process.
• Manage assigned originator's database; tracking active loan(s) and entering data as needed.
• Send loan forms, disclosures agreements, and other supporting documentation to customers for completion and signature; manage the collection of completed documents accordingly.
• Prepare and submit loan applications to processing, helping to resolve any subsequent file issues and escalating processor conditions as required assisting processor in clearing any conditions placed on loan(s).
• Order out 4506T, SSA, Credit Supplements, AccountCheck and Work Number as needed.

Additional Common Duties

• Perform other duties as assigned.
• Maintain referral source relationships through quick response time and excellent custom service.
• Collect supporting documentation from customer, gathering necessary documentation for pre-approval.
• Act as a point of contact for the customer and referral source, keeping them informed throughout the process.
• Acting as a primary point of contact for the customer, and keeping the customer informed throughout the process, subject to the limitations as set forth in Guild’s SAFE Act and Consumer Privacy/Safeguarding in Information policies.
• Pricing loan in accordance with Guild’s policies and communicating fees to operations team.
• Per GUILD company policy and in accordance with investor underwriting guidelines, this role is prohibited from submitting documents to underwriting and ordering written (non-third party) employment, income, deposit, mortgage or rental verifications under any circumstances.
• Discuss product features with customer.
• Prepare and send thank you cards to referral sources and new clients.
• Quoting rates and making commitments regarding locking to customer.

Qualifications

• Works with a strong sense of urgency and responsiveness.
• Passionate about delivering excellence in customer service.
• Ability to manage multiple priorities; strong detail orientation and highly organized.
• Strong verbal and written communication skills. Basic math skills.
• High school diploma or equivalent is preferred, along with at least two years of experience in Mortgage lending or related field.
• Demonstrated patience and professionalism when interacting with both internal and external customers.
• Active MLO licensing required.
• Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
• Ethical, with a commitment to company values.

Supervision

• No direct or indirect reports.
• Low level of independent judgment and discretion used in decision-making; executes standard core job responsibilities with only minor variation and escalates more complex issues for advice and resolution.

Requirements

• Environmental: Office environment – no substantial exposure to adverse environmental conditions.
• Physical: Work is primarily sedentary; mobility in an office setting.
• Manual Dexterity: Frequent use of computer keyboard and mouse.
• Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio, e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.

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

Guild Mortgage Company is an Equal Opportunity Employer.