Loan Officer Assistant (Contract to Close)

About the role

Guild Mortgage Company, closing loans and opening doors since 1960, is dedicated to serving homeowners and buyers. Our goal is to provide affordable home financing with professionalism and service unsurpassed in the lending industry. The Loan Officer Assistant plays an important role by performing, under direct supervision, activities related to assisting originators in building complete loan files for submission. This role performs Contract to Close duties.

Responsibilities

• Monitor key dates related to loan transactions and respond accordingly.
• Send loan forms, disclosures, agreements, and other supporting documentation to customers for completion and signature; manage the collection of completed documents.
• Manage assigned originator's database; track active loans and enter data as needed.
• Maintain customer contact to ensure follow-up of loan applications and answer basic customer inquiries while providing quality customer service.
• Support the collection and preparation of loan applications with supporting documentation for submission to processing.
• Order 4506T, SSA, Credit Supplements, AccountCheck, and Work Number as needed.
• Prepare and submit loan applications to processing, help resolve file issues, and assist processors in clearing conditions placed on loans.
• Review Closing Disclosure (CD) to ensure fees and cash at closing are consistent with the commitment to the customer.
• Provide assistance through the production and underwriting process.
• Provide status updates to referral sources on active loans, subject to Guild’s policies on Consumer Privacy and Safeguarding of Information.
• Answer customer inquiries related to active loans or loan application status.
• Act as a primary point of contact for customers, keeping them informed throughout the process, within Guild’s SAFE Act and privacy policy limitations.
• Price loans in accordance with Guild’s policies and communicate fees to the operations team.
• Quote rates and make commitments regarding locking to customers.
• Maintain referral source relationships through quick response time and excellent customer service.
• Prepare and send thank-you cards to referral sources and new clients.
• Collect supporting documentation from customers and gather necessary documentation for pre-approval.
• Discuss product features with customers.
• 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.

Requirements

• High school diploma or equivalent is preferred, along with at least two years of experience in mortgage lending or a related field.
• Active MLO licensing required.
• 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.
• Strong verbal and written communication skills.
• Basic math skills.
• Ethical, with a commitment to company values.

Skills

• Excellent verbal and written communication skills.
• Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment.
• Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications.
• Commitment to company values: Customer Service, Integrity, Respect, Collaboration, Learning, and Excellence.

Work Environment

• 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 broadcast aloud or viewed on a screen or print media).

No direct or indirect reports. Low level of independent judgment and discretion used in decision-making; executes standard core job responsibilities with only minor variation and escalates more complex issues for advice and resolution.

Benefits

• Medical, dental, and vision insurance.
• Life insurance and AD&D.
• Long-term disability (LTD).
• 401(k) with employer match.

Pay

Target salary range: $17.47 - $29.12 per hour. This position offers eligibility for incentive compensation. Compensation at Guild is influenced by factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant’s geographical location.