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FEED

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. Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.

HOUR

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 SummaryReviewing files for adherence to underwriting standards and ensuring completeness of submission. Contacts borrower and/or mortgage broker to collect necessary documentation and act as a liaison between origination staff, underwriters, and customers.Active MLO Licensing RequiredEssential Requirements• Track key dates of transaction.
• Maintain customer contact to ensure follow-up of loan application.
• Manage client and referral partner databases.
• Answer customer inquiries relating to locked status, and loan application status to ensure quality customer service.
• Resolve file problems, bottlenecks, and qualifying issues throughout production and underwriting process.
• Provide administrative support in the collection and preparation of submitting loan application with supporting documentation to processing.
• Coordinate, create, track, and distribute marketing materials.
• Perform any other reasonable duties required by Guild Mortgage Company or Managing Loan Officer to be performed by Loan Officer Assistant.Tasks• Marketing, database management, and sending and collecting 1003, disclosures, and supporting documentation from customer for completion and signatures.
• Assisting through production and underwriting process.
• Preparing and submitting loan application to processing, resolving file issues, conversations with customers, vendors, and referral partners.
• High-level file management and client and referral partner conversations including rate, status, and qualifying issues.
• May perform all Loan Officer duties, including:
• Acting as primary point of contact for the customer, and keeping the customer informed throughout the process.
• Obtaining an accurate and thorough 1003.
• Analyzing customer's credit and financial scenario, determining appropriate loan product(s), and obtaining accurate AUS findings.
• Pricing a profitable loan and communicating fees to operations team.
• Quoting rate and making commitments regarding locking to customer.
• Disclosing initial 1003 and disclosures to customer according to regulations.
• Collecting supporting documentation from the customer.
• Discussing product features with customer.
• Submitting a viable loan to processing.
• Reviewing HUD-1 to ensure fees and cash at closing are consistent with commitment to customer.
• Marketing to referral sources to generate leads and loan production.Loan Officer Assistant Requirements• LOA Level 12 - 5 years of experience
• LOA Level 25+ years of experienceGuild OffersGuild Mortgage Company is an Equal Opportunity Employer. This position offers eligibility for incentive compensation. Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.Target Salary Range: $17.47 - $21.63

Guild Mortgage Company

Originating Loan Officer Assistant

Administrative Skills

Contact Management

Customer Relations

Customer Support/Service

Database Administration

Database Marketing

Develop and Maintain Customers

Documentation

File Management

Lead Generation

Loan Closing

Loan Origination

Loan Processing

Loan Submission

Loans

Marketing

Mortgage

Mortgage Brokers

Mortgage Collections

Operational Communications

Pricing

Problem Solving Skills

Purchasing/Procurement

Regulations

Resolve Customer Issues

Sales Management

Underwriting

Website Conversion

ADAPTED_NOW

Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s). Analyzes and evaluates customer credit information for new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from simple to moderately complex enterprises .

YEAR

About the Role: Analyzes and evaluates customer credit information for new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from simple to moderately complex enterprises . Collaborate with other team members ({Commercial Portfolio Managers, Client Solutions Managers ("CSMs") and Commercial Relationship Managers) to prepare timely, high quality and concise credit recommendations needed to obtain credit approval and meet customer needs. + Analyze business, industry, financial data and other supporting credit information concerning an applicant’s credit request; presents facts to, and collaborates with, Portfolio Managers, CSMs and Commercial Relationship Managers to identify key business and financial risks allowing Portfolio Managers, CSMs and Commercial Relationship Manager to derive conclusions, structure loans and support the credit recommendation. + Prepare timely, concise and accurate credit recommendations, with normal level of supervision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s). + Monitor borrower financial performance in line with commercial and/or real estate loan documents; spread financial statements and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Collaborates with Portfolio Manager/CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner. + Partner with Potfolio Managers, CSMs and Commercial Relationship Managers in customer and prospect calls as appropriate; offers insight into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. + Partner with Portfolio Managers, CSMs or Commercial Relationship Managers to follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources; ensures customer is approved for all ancillary products. + Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. + Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. + Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. + May be asked to coach, mentor, or train others and teach coursework as subject matter expert. + Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. + Takes personal initiative and is a positive example for others to emulate. + Embraces our vision to become “Business Bank of Choice”. + May perform other duties as assigned. About You: Education Experience + 2-4 years — of commercial credit analysis or underwriting experience or the equivalent. (Required) Skills + Intermediate Accounting skills and knowledge. + Proven ability to spread company and personal financial statements, including income tax returns, using Moody’s Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types. + Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well as income property real estate, non-profit lending or other specialty lending types. + Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships. + Possess excellent written, verbal and interpersonal skills, including presentation skills. + Experience working with bank credit policies, procedures, practices and documentation. + Proficiency with personal computers and related software packages such as Word, Excel, PowerPoint, and other business machines. Travel Requirements + Occasional The pay range for this role is $62,000.00 to $110,000.00. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process. Primary Location: Ability to work fully onsite at posted location(s). 301 Church Street Salem OR 97301 Our Benefits: We are proud to offer a competitive total rewards package including base wages and comprehensive benefits. We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly. Our Commitment to Diversity: Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: careers@columbiabank.com . To Staffing and Recruiting Agencies: Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

Underwriting Jobs in West Salem, OR

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Underwriting Jobs in West Salem, OR

Originating Loan Officer Assistant Guild Mortgage Company

Com'l Underwriter Columbia Bank

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