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.

Essential Functions

• Monitor metrics and maximize productivity, efficiency, investor compliance and service levels for area(s) under supervision.
• Hire, train, coach, discipline and exit team members.
• Perform quality control and audit reviews on loans, including all income/expense calculations, to ensure compliance with agreed upon standards and state and investor guidelines.
• Provide coaching, guidance, and recognition to reports on all FHA insured loan workouts; review work to ensure solid business decisions are made in underwriting modifications, and in reconciling and settling accounts.
• Review denied cases and research/recommend feasible alternatives.
• Analyze escalated accounts for compliance and exceptions to modification program guidelines.
• Participate in calls with clients and homeowners; discuss topics and issues related to loss mitigation.
• Provide weekly productivity reports and status updates, and remediates action items to ensure loss mitigation cases move through the decision process both on a timely basis, and in accordance with regulations and guidelines.
• Review files requested by internal and external auditors and respond to audit findings by preparing formal responses and ensuring remediation of noted issues.
• Ensure inventory is managed effectively and in accordance with all applicable regulations and guidelines.
• Develop and deliver training that encompasses changes, improvements, and other information related to investor rules and regulations, compliance criteria, internal policy and guidelines, and best practices.
• Manage department projects that encompass improvements and modifications to current processes, implementation of new processes, and skills training.
• Role model patience and professionalism when interacting with consumers via phone, email, or letter.
• Review FHA Waterfall Calculations and verify correct home retention loss mitigation options are chosen and communicated to borrowers.
• Manage and control loss mitigation general ledger; review all invoices input by Specialists; reconciles TBB2 against payment of title policy invoices.
• Perform other duties as assigned.

Qualifications

• High school diploma and some college, technical training or equivalent required; Bachelor’s degree in Finance, Business or a related field preferred, along with seven or more years total mortgage default, loss mitigation and short sale experience, with at least two years in a supervisory/lead role.
• Expert-level knowledge of conventional and government mortgage loan documents, including overall processes and inter-relationships, standards and requirements, terminology, compliance and regulatory requirements related to federal debt collection laws, Federal Bankruptcy Laws, and proper handling of other legal situations.
• Knowledge of Standard Operating Procedures, CFPB, FCRA and FDCPA preferred.
• Strong interpersonal and problem-solving skills.
• Highly organized and detail oriented; ability to work in a fast-paced, department-metrics-driven environment required.
• Advanced math skills required.
• Proficiency with basic internet searches, data entry, Microsoft Word, Excel, PowerPoint and Outlook required.
• Familiarity with document retention software; Blitzdoc preferred.
• 10-key by touch strongly preferred.

Supervision

Requirements

• Physical: Work is primarily sedentary; occasionally walks and/or stands.
• 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 broadcasted aloud/viewed on a screen, as well as print and other media.
• Environmental:  Office environment – no substantial exposure to adverse environmental conditions.

Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.

Guild Mortgage Company is an Equal Opportunity Employer.

REQ#: LOSSM017665