Mortgage Origination Specialist: Client-Focused Loan Support

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 Originating Loan Officer Assistant (L2C) 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 Lead to Contract duties. The role also provides 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. Essential Functions Origination duties: 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. 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. 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. Collect supporting documentation from borrower to include: 30‑day paystubs 2 years tax returns Last 2 years W‑2’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 and prepare the Initial Fee Worksheet. 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. Partner with production support teams to generate sales using company and online marketing resources. Coordinate, create, track and distribute marketing materials. 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 Loan Officer. Lead to Contract duties: Assist originator in appointment setting with prospective and new applicants. Provide new lead call backs within 20 minutes and maintain a 35% conversion rate from lead to appointment. Set and confirm appointments for originator and manage calendar. Provide administrative support managing various client databases (lead tracker, MyCircle, Zillow, etc.). Send new clients online pre‑qualification link on behalf of originator. Assist the originator with obtaining an accurate and thorough 1003. Analyze customer’s credit and financial scenario and determine appropriate loan product(s). Run credit on loans assigned to an originator. Run AUS findings and prepare the Initial Fee Worksheet. Pull and prep web applications and other duties; including updating credit reports and AUS findings. Request status updates from pre-approved clients and referral sources (weekly TBD calls). 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. Manage monthly compliance‑approved email marketing to realtors. 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, required. Experience Minimum two year's experience in Mortgage lending or related field or proven record of closing an average of four loans each month. Certifications / Licenses NMLS required. Additional Qualifications 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. Strong verbal and written communication skills. Basic math skills. 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. Schedules Work is primarily performed during the business week, Monday - Friday. 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. #J-18808-Ljbffr Guild Mortgage