Loan Officer

This is a fully remote position, open to applicants in Colorado.

📋 Description

• Conduct individual consultations to comprehend clients’ financial objectives and evaluate mortgage loan eligibility.

• Educate clients regarding mortgage products, terms, and options while providing tailored recommendations.

• Respond to inquiries concerning rates, products, and application status.

• Assist in the mortgage application process and gather necessary documentation.

• Build and sustain relationships with referral sources to generate loan prospects.

• Collaborate with production support teams to drive sales using company resources and online marketing.

• Coordinate, create, track, and distribute marketing materials effectively.

• Cultivate referral bases, generate leads independently, and maintain lists of referral sources and clients.

• Work alongside underwriters, processors, realtors, and lenders throughout the loan approval process.

• Accurately complete 1003 applications and close a minimum of two loans each month or six loans per quarter.

• Collect borrower documentation including paystubs, tax returns, W-2s, award letters, employment-gap letters, and bank statements.

• Provide needs lists and complete applications at the initial point of borrower contact.

• Secure executed disclosures within regulatory time limits.

• Obtain accurate AUS findings and assess credit reports and financial scenarios.

• Identify suitable loan products and profitable pricing, while communicating fees to operations.

• Submit comprehensive loan packages to processing.

• Lock in interest rates.

• Review Closing Disclosures to ensure accurate fees and cash-to-close amounts.

• Keep clients and agents updated, addressing any questions and concerns.

• Remain informed about industry regulations, lending trends, and changes in mortgage guidelines.

• Perform any reasonable tasks assigned by Guild Mortgage Company or the Managing Loan Officer.

⛳️ Requirements

• High school diploma or equivalent is required.

• A minimum of two years of experience in mortgage lending or a related field is necessary.

• NMLS License is required.

• Flexibility to meet with customers outside the branch is essential.

• Ability to manage multiple priorities effectively.

• Strong attention to detail and excellent organizational skills are required.

• A strong sense of urgency and responsiveness is crucial.

• Customer-service orientation, patience, and professionalism are necessary.

• Exceptional verbal and written communication skills are required.

• Ability to thrive in a fast-paced, metrics-driven environment is essential.

• Proficiency in Microsoft Office Suite, including Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications is needed.

• Capability to learn new tasks, retain processes, maintain focus, complete tasks independently, and make timely decisions is essential.

• Ability to adhere to and apply process protocols in a timely manner is crucial.

• Proficiency in operating standard office equipment and keyboards is required.

• Ability to accurately interpret visual and audio information is necessary.

🏝️ Benefits

• Medical insurance.

• Dental insurance.

• Vision insurance.

• Life insurance.

• AD&D insurance.

• LTD insurance.

• 401(k) with employer match.

• Pleasant work environment.

• Competitive compensation.

• Reasonable accommodations for eligible applicants/employees.

• Monday–Friday work schedule.