Loan Officer

LKD - Lake Murray 1 Harbison Way, Suite 110 Columbia, SC 29212, USA 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 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: Deliver exceptional customer service by keeping clients/agents informed during the loan process and addressing all their questions and concerns. Stay current with industry regulations, lending trends, and changes in mortgage guidelines. Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer. Qualifications Education High school diploma or equivalent required. Experience At least two years of experience in mortgage lending or related field. Certifications / Licenses NMLS License. Additional Qualifications Flexibility to meet customers outside the branch. 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. 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. 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 contribute insights and ideas on policies, processes, procedures, and efficiency; 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: Acts as a mentor/guide to less experienced professional contributor staff in a similar role; works independently and only under general direction; guided by professional standards, desired outcomes, and project plan 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: $7.25/hr 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. #J-18808-Ljbffr