LOAN ORIGINATOR ASSISTANT Job at Golden Empire Mortgage Inc, Escondido, CA

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  • Golden Empire Mortgage Inc
  • Escondido, CA

Job Description

Job Description

Job Description

Job summary

Under general supervision of the Branch Manager, the Loan Originator Assistant works alongside designated Loan Officers in a productive environment. This position involves supporting a team in the loan origination process as well as performing daily administrative tasks. Tasks are completed with a deadline and with proficiency.

Essential job functions

  • Ensure files move through processing and closing in a timely manner
  • Establish appointments with clients
  • Collect necessary documents and review to ensure accuracy and completeness
  • Make copies of important documents
  • Monitor file and communications to ensure client questions and concerns and timely addressed
  • Keep client informed about the status of the loan process
  • Properly prepare files for submission to processing
  • Demonstrate commitment to customer service and client retention at all times
  • Stay acquainted with assigned Loan Officer’s daily schedule
  • Systematically store and maintain client data and files
  • Work closely with processing team to obtain documentation required for loan approval, docs, and/or funding
  • As directed by the loan originator, obtain from third party vendors and review applicant’s credit history
  • Perform such other tasks as may be properly assigned or delegated to the Loan Originator Assistant, except Prohibited Conduct

Prohibited Conduct

Loan Originator Assistants who do not possess a valid and current mortgage loan originator’s license are not permitted to, and shall not perform any of the following activities (“Prohibited Conduct”):

  • Engaging or participating in any activity for which a mortgage loan originator license is required.
  • Directly or indirectly taking a loan application.
  • Offering or negotiating any terms of a mortgage loan with prospective loan applicants or borrowers.
  • Quoting and/or discussing with a prospective loan applicant or borrower any loan terms, features, or costs, including interest rates, costs, payment amounts, APR, loan term, or any other similar matter.
  • Signing pre-approval or pre-qualification letters, or any other loan-related documentation.
  • Directly or indirectly soliciting loan applications.
  • Discussing loan programs with prospective loan applicants or borrowers.
  • Discussing loan products with prospective loan applicants or borrowers.
  • Directly or indirectly holding oneself out as a mortgage loan originator, or publicly disseminating any information in any form that communicates that the Loan Originator Assistant can or will make, arrange, or negotiate mortgage loans.

Minimum requirements

  • High School or GED required

Knowledge, Skills and Abilities

  • Excellent written and verbal communication skills
  • Proficient in Microsoft Office and capability to utilize office equipment
  • At least two years of experience in the lending field preferred
  • Proficient organization skills ; ability to prioritize
  • Ability to learn quickly and effectively
  • Excellent listening skills
  • General knowledge of loan products and process
  • Rapid decision making abilities
  • Aptitude to work in a fast-paced, daily environment

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