Loan Officer

Guild Mortgage Company is seeking a Loan Officer to play an important role in the organization by performing various activities related to the company's Production functions. The role is primarily responsible for providing quality relations with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards, and ensuring completeness of submission to processing.

Requirements

• Obtain an accurate and thorough 1003.
• Collect supporting documentation from borrower:
• 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.
• 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
• 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.
• Manage client and referral partner databases.
• Answer customer inquiries involving rates, products and loan application status to ensure quality customer service.
• Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer.

Benefits

• Medical
• Dental
• Vision
• Life insurance
• AD&D
• LTD
• 401(k) with employer match