Loan Officer (Inside Sales)

Guild Mortgage Company; Northern (KY); Hybrid; USD 23,000 - 40,000; Full time

Job summary

Guild Mortgage Company, a mortgage banking firm, seeks a Loan Officer – Reverse Inside Sales to originate mortgages using company leads, processes, and technology. This hourly role plus commission emphasizes excellent customer service as you complete origination processing and underwriting adherence.

You will handle disclosures, manage files, and interface with processing to ensure timely submissions, while staying current with approved programs and software systems.

Qualifications

• High School Diploma or equivalent is required.
• Minimum two years' experience in Mortgage lending or related field.
• NMLS license required; active MLO licensing required.

Responsibilities

• Receive and make calls based on leads using the company’s technology.
• Analyze credit reports and financial scenarios to determine suitable loan products.
• Communicate fees and price a profitable loan to operations team.
• Obtain executed disclosures within regulatory time frames.
• Coordinate and track loan documents and processing steps.
• Maintain and manage client databases and marketing materials.

Skills

Multitasking

Interpersonal skills

Communication

Attention to detail

Time management

Customer service

Education

High School Diploma

Tools

Microsoft Office

Word

Excel

Wiki

Cloud-based tools

Third-party software

Job description

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm, we are dedicated to serving the homeowner/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 – Reverse Inside Sales is a consumer direct loan officer who originates mortgages using the company’s leads, processes and technology. This position is under direct supervision from the sales managers and thus paid hourly in addition to commission. The position also provides excellent customer service with borrowers through completing the origination processing of application, loan disclosure, review files for adherence to underwriting standards; ensuring completeness of submission to processing.

ESSENTIAL FUNCTIONS

• Receive and make calls based on leads using the company’s technology.
• Analyze credit report and financial scenario, determining appropriate loan product(s).
• Determine (price) a profitable loan and communicate fees to ops team.
• Obtain executed disclosures within regulations time frame.
• 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.
• 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.
• Monitor key dates related to loan transactions and respond accordingly.
• Send loan forms, disclosures agreements, and other supporting documentation to customers for completion and signature; manage the collection of completed documents accordingly.
• Manage assigned originator's database; tracking active loan(s) and entering data as needed.
• Maintain customer contact to ensure follow-up of loan application and answer basic inquiries.

QUALIFICATIONS

Education

High School Diploma or equivalent, required

Experience

Minimum two year's experiencein Mortgage lending or related field.

Certifications/Licenses

NMLS required

Active MLO licensing, required.

Skills

Ability to organize and manage multiple priorities simultaneously.

Excellent interpersonal communication skills required.

Additional Qualifications

• 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

Company Required Skills

• Excellent verbal and written communication skills required.
• Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
• Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.
• Commitment to company values.
• Customer Service - Proactive attention to each person
• Integrity - Do and say what's right
• Respect - Treat others with dignity
• Collaboration - Listen and work together
• Learning - Seek knowledge and strive for improvement
• Excellence – Deliver the unexpected

Physical Demands

Work is primarily sedentary; mobility in an office setting.

Manual Dexterity

Ability to operate standard office equipment and keyboards.

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.

Office environment – moderate noise, no substantial exposure to adverse
environmental conditions.

Mental

Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.

This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities.

Must be able to adhere to process protocol. Must be able to apply established protocols in a timely manner.

Schedules

Work is primarily performed during the business week, Monday - Friday.

Authority Level

Job Scope: Responsible for understanding the department/functional area objectives and goals and how own job contributes to achievement of these goals; may recommend changes and enhancements based on analysis and evaluation of circumstances.
Complexity: Problems are often complex and specialized and may involve unprecedented circumstances; resolution requires investigation, analysis and review of professional/organizational standards.
Impact: Decisions and actions have an impact on the smooth operation and timeframes of the department, programs/projects; impact on the broader organization is generally indirect.
Interaction/Supervision: Works under broad direction with some latitude for independent actions; guided by professional standards, desired outcomes and unit/project/program specifications.

Statement
This document describes the general content and identifies essential functions and requirements for performing this position. It is not intended to be an exhaustive statement of duties, responsibilities, or requirements. Guild Mortgage complies with the ADA and considers reasonable accommodation measures that may be necessary for eligible applicants/employees to perform essential job functions. Employment with Guild Mortgage is “at-will,” meaning that either the Company or an employee may terminate the employment relationship at any time, with or without cause, advance notice or stated justification.

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.

Target Salary Range: $17.47 - $29.12

Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant’s geographical location.

Qualifications

Skills

Behaviors

:

Motivations

:

Education

Experience

Required

2 years:

Mortgage lending or related field.

Licenses & Certifications

Required

Licensed and Sponsored

NMLS

Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.