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Loan Originator Assistant

Company: GEM Mortgage
Location: Riverside
Posted on: November 20, 2022

Job Description:

GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for over 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where "our customers are our business" is the cornerstone for excellence. -Golden Empire Mortgage isn't just about mortgages and home lending - GEM is about people, and building lasting customer relationships. -At GEM we understand that the lending process can be intimidating, that's why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible. -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 functionsEnsure files move through processing and closing in a timely mannerEstablish appointments with clients and referral partnersCollect necessary documents and review to ensure accuracy and completenessMake copies of important documentsMonitor file and communications to ensure client questions and concerns and timely addressedKeep client and referral partner informed about the status of the loan processManage customer database and social media accountsProperly prepare files for submission to processingDemonstrate commitment to customer service and client retention at all timesStay acquainted with assigned Loan Officer's daily scheduleSystematically store and maintain client data and filesWork closely with processing team to obtain documentation required for loan approval, docs, and/or fundingAs directed by the loan originator, obtain from third party vendors and review applicant's credit historyPerform such other tasks as may be properly assigned or delegated to the Loan Originator Assistant, except Prohibited Conduct -Prohibited ConductLoan 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.FLSA Status: Non-Exempt

Minimum requirementsHigh School or GED required -Knowledge, Skills and AbilitiesExcellent written and verbal communication skillsBilingual preferred -Proficient in Microsoft Office and capability to utilize office equipmentKnowledge of automated underwriting systems (DU & LPA) -Must have proven knowledge & procedures of mortgage loan products such as FHA, VA, USDA & Conventional -At least two years of experience in the lending field, three years preferredExperience with mortgage processing and database management software (CRM) -Proficient organization skills ; ability to prioritizeKnowledge of analyzing credit reports, income and asses documents, and general ways to structure a mortgage loan -Ability to learn quickly and effectivelyExcellent listening skillsGeneral knowledge of loan products and processRapid decision making abilitiesHighly motivated and goal-oriented -Aptitude to work in a fast-paced, daily environment

Keywords: GEM Mortgage, Riverside , Loan Originator Assistant, Other , Riverside, California

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