Loan Officer Assistant (Contract to Close)

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 Assistant plays an important role in the organization by performing, under direct supervision, a number of activities related to assisting originators build complete loan files for submission. This role performs the Contract to Close duties. 

Essential Functions

Contract to Close duties:

• 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 customer inquiries while providing quality customer service.
• Provide support in the collection and preparation of submitting loan application with supporting documentation to processing.
• Order out 4506T, SSA, Credit Supplements, AccountCheck and Work Number as needed.
• 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).
• Reviewing CD to ensure fees and cash at closing are consistent with commitment to customer.
• Provide any necessary assistance through production and underwriting process.
• Provide status updates to referral sources on active loans, subject to Guild’s policies on Consumer Privacy and Safeguarding of Information.
• Answer customer inquiries related to active loan, and/or loan application status. 

Additional common duties:

• 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.
• Quoting rates and making commitments regarding locking to customer.
• Maintain referral source relationships through quick response time and excellent custom service.
• Prepare and send thank you cards to referral sources and new clients.
• 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.
• Discuss product features with customer.
• Perform other duties as assigned.
• 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.

Qualifications

• High school diploma or equivalent is preferred, along with 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. 

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

Supervision