Loan Officer

4 weeks ago


Saint Charles, Missouri, United States Guild Full time
Job Summary

The Loan Officer plays a crucial role in the organization by performing a variety of activities directly related to the company's Production functions.

Under moderate supervision, this role is primarily responsible 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.

Key Responsibilities:

  • 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.
  • Obtain executed disclosures within regulations time frame.
  • Obtain accurate AUS findings.
  • Analyze credit report and financial scenario, determining appropriate loan product(s).
  • Determine a profitable loan and communicate fees to ops team.
  • Submit a complete loan package to processing.

Requirements:

  • 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.

Guild Mortgage Company 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.



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