L/O ASSISTANT/LOAN ORIGINATOR

Join the GEM Mortgage Team!

Ready to be part of a leading mortgage lender that truly puts clients first At VERO Mortgage, a division of Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

Our mission is to build long-lasting relationships with borrowers and real estate partners, be an employer of choice with growth opportunities for our team members, and operate as a trustworthy, financially sound enterprise that positively influences our communities.

At Golden Empire Mortgage, our LEADER values guide everything:

•    Loyalty to our team, borrowers, and partners.

•    Excellence in all we do.

•    Accountability—we take ownership.

•    Driven for continuous improvement.

•    Engaged to deliver success.

•    Reliability you can count on.

If you're passionate about making a real difference in people's lives, delivering exceptional service, and growing your career with a company that truly values its people and its purpose, we invite you to explore opportunities with us. Come join GEM Mortgage and help us empower clients and communities!

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

•    Making copies of important documents

•    Monitor file and communications to ensure client questions and concerns and timely addressed

•    Keep clients informed about the status of the loan process

•    Properly prepare files for submission to processing

•    Always demonstrate commitment to customer service and client retention

•    Stay acquainted with assigned Loan Officer’s daily schedule

•    Systematically store and maintain client data and files

•    Work closely with the loan 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, such as computers, scanners, and loan originating systems

•    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 processes
• Rapid decision-making abilities
• Aptitude to work in a fast-paced, daily environment

Compensation Disclosure
This is a non-exempt, hourly position. The pay range for this role is $25.00 to $28.85 per hour, depending on experience and qualifications. Overtime is paid in accordance with California state and federal labor laws. Additional compensation, such as bonuses or incentive pay, may be available based on performance and business needs.

At-Will Employment

This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law.

Work Location

This position is fully remote. Employees may perform all job duties from a location outside of their main office or branch location, subject to reliable internet access and compliance with company policies.

Equal Opportunity Employer

Golden Empire Mortgage is an Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law.

California Consumer Privacy Notice

Golden Empire Mortgage, may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy https://gemcorp.com/page/privacy-notice .