Guild Mortgage
Guild Mortgage Company
Closing loans and opening doors since 1960. We are dedicated to serving home owners and buyers, providing affordable financing with the best terms and unmatched professionalism.
Position Summary Process and pre‑underwrite conventional, FHA, VA, and Bond mortgage loans to ensure compliance with company, secondary market investor, and government agency standards. Achieve production and quality metrics. Liaison between loan officer, borrower, underwriter, and funding. Prepare and review loan files for completeness and compliance with underwriting and investor guidelines. Monitor overall loan processing cycle time to ensure timely closure. Communicate and coordinate resolution of issues delaying the loan closing timeline. Serve as “go to” subject matter expert when supervisors are unavailable.
Essential Functions
Act as contact for non‑licensed activity once the loan is submitted.
Monitor the overall lending process, identify, resolve, and communicate issues that could impact timely loan closure.
Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, and supporting documentation to identify potential fraud or misrepresentation.
Communicate potential issues to consumers and loan officers.
Order and review all third‑party documentation, including credit checks, title reports, appraisals, tax returns, employment verification, etc., to identify and address potential issues.
Stay current with federal, state regulations, policies, and industry trends.
Check ratios and verify accuracy of AUS findings and program applicability.
Review and verify documentation integrity to ensure alignment with findings, completeness, and compliance; submit loan file for approval.
Identify qualifying/program issues before submission to underwriting and restructure loans as necessary.
Provide options within guidelines and recommend programs to qualify borrowers.
Update and verify accuracy of data input into the system.
Verify compliance with company standards, federal and agency regulations, and applicable state/local ordinances.
Obtain and verify clearance of all underwriting conditions and prepare the file for closing.
Order generation of loan documents.
Coach and guide less experienced processors as needed.
Use and modify templates to compose professional correspondence and emails.
Provide status updates to loan officers and/or borrowers.
Qualifications
High school diploma or equivalent required; college courses or technical training in Business, Finance/Accounting, Legal, or related fields preferred.
Five or more years of recent experience as a Loan Processor, preferably with conventional and FHA loans; at least two years processing VA and Bond loans.
Ability to build strong relationships with loan officers, production, underwriting, closing, and other internal and external partners.
Expert knowledge of mortgage lending processes and regulatory requirements for conventional, FHA, VA, and Bond loans.
Expert knowledge of new construction documentation and condominium projects.
Expert knowledge of valid documentation related to processing consumer mortgage applications (e.g., complex tax returns, financial statements, verification of income and deposits).
Sound judgment and critical thinking to evaluate facts, draw conclusions, and assess downstream impact and risk.
Ability to prioritize multiple tasks in a deadline‑driven environment with a strong sense of urgency and responsiveness.
Excellent customer service, interpersonal, verbal, and written communication skills.
Intermediate math skills.
Strong detail orientation and organization.
Prior experience using internal data entry systems, Microsoft Office, PDFs, and document retention programs.
Supervision
Intermittent to infrequent supervision based on experience.
Moderate to high level of independent judgment and discretion.
Provide guidance to less experienced team members on complex issues.
Exercise sound judgment in executing core responsibilities.
Average monthly pipeline: 14 loans.
Travel: None.
Requirements Physical: Primarily sedentary office work.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to interpret sounds and visual information at conversational volume.
Environmental: Office environment with no significant hazardous conditions.
Benefits Competitive compensation, incentive compensation eligibility, medical, dental, vision, life insurance, AD&D, LTD, and a 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Compensation Compensation is influenced by a variety of factors including local and federal minimum wages, education, experience, and geographic location.
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Position Summary Process and pre‑underwrite conventional, FHA, VA, and Bond mortgage loans to ensure compliance with company, secondary market investor, and government agency standards. Achieve production and quality metrics. Liaison between loan officer, borrower, underwriter, and funding. Prepare and review loan files for completeness and compliance with underwriting and investor guidelines. Monitor overall loan processing cycle time to ensure timely closure. Communicate and coordinate resolution of issues delaying the loan closing timeline. Serve as “go to” subject matter expert when supervisors are unavailable.
Essential Functions
Act as contact for non‑licensed activity once the loan is submitted.
Monitor the overall lending process, identify, resolve, and communicate issues that could impact timely loan closure.
Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, and supporting documentation to identify potential fraud or misrepresentation.
Communicate potential issues to consumers and loan officers.
Order and review all third‑party documentation, including credit checks, title reports, appraisals, tax returns, employment verification, etc., to identify and address potential issues.
Stay current with federal, state regulations, policies, and industry trends.
Check ratios and verify accuracy of AUS findings and program applicability.
Review and verify documentation integrity to ensure alignment with findings, completeness, and compliance; submit loan file for approval.
Identify qualifying/program issues before submission to underwriting and restructure loans as necessary.
Provide options within guidelines and recommend programs to qualify borrowers.
Update and verify accuracy of data input into the system.
Verify compliance with company standards, federal and agency regulations, and applicable state/local ordinances.
Obtain and verify clearance of all underwriting conditions and prepare the file for closing.
Order generation of loan documents.
Coach and guide less experienced processors as needed.
Use and modify templates to compose professional correspondence and emails.
Provide status updates to loan officers and/or borrowers.
Qualifications
High school diploma or equivalent required; college courses or technical training in Business, Finance/Accounting, Legal, or related fields preferred.
Five or more years of recent experience as a Loan Processor, preferably with conventional and FHA loans; at least two years processing VA and Bond loans.
Ability to build strong relationships with loan officers, production, underwriting, closing, and other internal and external partners.
Expert knowledge of mortgage lending processes and regulatory requirements for conventional, FHA, VA, and Bond loans.
Expert knowledge of new construction documentation and condominium projects.
Expert knowledge of valid documentation related to processing consumer mortgage applications (e.g., complex tax returns, financial statements, verification of income and deposits).
Sound judgment and critical thinking to evaluate facts, draw conclusions, and assess downstream impact and risk.
Ability to prioritize multiple tasks in a deadline‑driven environment with a strong sense of urgency and responsiveness.
Excellent customer service, interpersonal, verbal, and written communication skills.
Intermediate math skills.
Strong detail orientation and organization.
Prior experience using internal data entry systems, Microsoft Office, PDFs, and document retention programs.
Supervision
Intermittent to infrequent supervision based on experience.
Moderate to high level of independent judgment and discretion.
Provide guidance to less experienced team members on complex issues.
Exercise sound judgment in executing core responsibilities.
Average monthly pipeline: 14 loans.
Travel: None.
Requirements Physical: Primarily sedentary office work.
Manual Dexterity: Frequent use of computer keyboard and mouse.
Audio/Visual: Ability to interpret sounds and visual information at conversational volume.
Environmental: Office environment with no significant hazardous conditions.
Benefits Competitive compensation, incentive compensation eligibility, medical, dental, vision, life insurance, AD&D, LTD, and a 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
Compensation Compensation is influenced by a variety of factors including local and federal minimum wages, education, experience, and geographic location.
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