Loan Officer
Guild Mortgage
- Charlotte, NC
- Permanent
- Full-time
- 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.
- High school diploma or equivalent required.
- At least two years of experience in Mortgage lending or related field.
- Active NMLS License.
- 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.
- Intermittent to low supervision required, depending on experience
- Apply sound judgment in execution of core job responsibilities
- Travel: 0%
- Physical: Work is primarily sedentary; mobility in an office setting.
- 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.