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Loan Officer Assistant
Guild Mortgage Company
Los Angeles, CA, United States
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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
Responsible for reviewing files for adherence to underwriting standards and ensuring completeness of submission. Contacts borrower and/or mortgage broker to collect necessary documentation and act as a liaison between origination staff, underwriters, and customers.
Essential Functions
• Track key dates of transaction.
• Maintain customer contact to ensure follow-up of loan application.
• Manage client and referral partner databases.
• Answer customer inquiries relating to locked status, and loan application status to ensure quality customer service.
• Resolve file problems, bottlenecks and qualifying issues throughout production and underwriting process.
• Provide administrative support in the collection and preparation of submitting loan application with supporting documentation to processing.
• Coordinate, create, track and distribute marketing materials.
• Send and collect 1003, disclosures and supporting documentation from customer for completion and signatures.
• Assist through production and underwriting process.
• Prepare and submit loan application to processing, resolve file issues, conversations with customers, vendors and referral partners.
• May perform all Loan Officer duties including, but not limited to:
◦ Acting as primary point of contact for the customer, and keeping the customer informed throughout the process.
◦ Obtaining an accurate and thorough 1003.
◦ Analyzing customer’s credit and financial scenario, determining appropriate loan product(s), and obtaining accurate AUS findings.
◦ Pricing a profitable loan and communicating fees to operations team.
◦ Quoting rates, and making commitments regarding locking to customer.
◦ Disclosing initial 1003 and disclosures to customer according to regulations.
◦ Collecting supporting documentation from the customer.
◦ Discussing product features with customer.
◦ Submitting a viable loan to processing.
◦ Reviewing HUD-1 to ensure fees and cash at closing are consistent with commitment to customer.
◦ Marketing to referral sources to generate leads and loan production.
Perform other duties as assigned.
Qualifications
• High school diploma or equivalent required.
• At least two years of experience in Mortgage lending or related field.
• Active MLO licensing required.
• 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.
• Proficiency with data entry, PDF software programs, Microsoft Word, and Excel required.
• Strong verbal and written communication skills.
• Basic math skills.
• Ethical, with a commitment to company values.
Supervision
• Direct supervision required, depending on experience
• 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
• Travel: 0%
Requirements
Physical: Work is primarily sedentary; occasionally walks and/or stands.
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.
Environmental: Office environment – no substantial exposure to adverse environmental conditions.
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.
Qualifications
Skills
Behaviors:
Motivations:
Education
Experience
Licenses & Certifications
Required
NMLS