Loan Officer

Guild Mortgage; Columbia (AL); Vor Ort; USD 60.000 - 90.000; Vollzeit

Zusammenfassung

Guild Mortgage Company seeks a Loan Officer to manage the origination processing of mortgage applications, disclose documents, and liaise between borrowers, underwriters, and staff. You will gather required documentation, ensure underwriting adherence, and maintain strong client relationships.

The role involves one-on-one consultations, educating clients on loan products, and coordinating with realtors and lenders to facilitate a smooth loan approval process.

Qualifikationen

• Experience in mortgage loan origination and processing.
• Ability to educate clients on loan products and terms.
• Strong client relations and documentation gathering skills.

Aufgaben

• Consult with clients to understand financial goals and determine mortgage eligibility.
• Educate clients on mortgage products, terms, and options with personalized recommendations.
• Answer inquiries about rates, products, and loan status to ensure quality service.
• Assist clients in completing applications and collecting required documentation while ensuring compliance.
• Develop and maintain relationships with referral sources to generate loan prospects.
• Collaborate with production support teams to generate sales using company and online marketing resources.
• Build and maintain a referral network and client lists.

Jobbeschreibung

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 plays an important role in the organization by performing a variety of activities directly related to the company’s Production functions. The role is primarily responsible, under moderate supervision, for providing 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. Contacts borrowers to collect necessary documentation and act as a liaison between origination staff, underwriters and customers.

Essential Functions

• 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.
• Answer customer inquiries involving rates, products, and loan application status to ensure quality
  customer service.
• 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.
• Partners with production support teams to generate sales using company and online marketing
  resources. Coordinate, create, track and distribute marketing materials.
• 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.
• Obtain accurate and thorough 1003 and close at least two (2) loans a month or six (6) loans a
  quarter.
• 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