Guild Mortgage
Manager, Complex Default Risk & Resolution
Guild Mortgage, San Diego, California, United States, 92101
Manager, Complex Default Risk & Resolution
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm, we are dedicated to serving the homeowner/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 Summary The Manager, Complex Default Risk & Resolution will lead the resolution of the organization's most sensitive and high-exposure loans - including delinquent and defaulted loans in probate, litigation, contested status, complaints and title resolution. This position requires advanced organizational, communication, and problem-solving skills, as well as the ability to thrive in a fast-paced environment. In addition, representing the company, this role will include leading and training a team responsible for case management, ensuring that all team members are equipped to handle cases efficiently and effectively. Compensation This role is an exempt position with a Targeted Salary Range of $92,000 to $132,000. 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 Litigation Management:
Review, monitor, and decision litigated, contested cases, escalating issues to in-house counsel when necessary. Act as the primary point of contact between in-house counsel, local counsel, and business units, ensuring the smooth flow of information and resolution of issues. Mediation Coordination:
Participate in in-person and virtual hearings, trials, and mediations, ensuring all required documentation and information are prepared and presented in an organized manner. Title Issue Resolution:
Oversee the resolution of complex title issues, including mobile homes, HOA liens, delinquent taxes, lien priority, legal description errors, and deed issues, ensuring compliance with applicable regulations. Probate:
Work closely with executor of estate, obtaining fair market value, ensure property is being maintained and work closely with in house counsel and foreclosure counsel if loan is in default. Complaints:
Address all complaints, CFPB and Non-CFPB for delinquent and default loans working closely with Compliance and Legal Counsel. Fee Request Review:
Review contested matter fee requests for approval and ensure timely scheduling of updates and other necessary actions. Reporting and Documentation:
Maintain accurate and up-to-date records in internal tracking systems (such as I5 and BLITZ/AIQ), and complete additional reporting workbooks as needed. Ensure proper documentation of all actions taken and decisions made. Pipeline Tracking and Case Management:
Proactively track and manage the litigation and mediation pipeline, ensuring deadlines are met and cases are handled. Implement solutions to expedite case resolution when necessary. Regulatory Compliance:
Stay informed on changes in industry regulations, recommending updates to internal policies, procedures, and systems to align with new or changed requirements. Team Leadership and Training:
Lead, mentor, and train a team to handle complex litigation and mediation cases. Provide guidance and support to ensure all team members are equipped with the tools and knowledge needed to manage their caseloads effectively. Foster a collaborative and high-performance environment within the team. Qualifications Bachelor's Degree directly related to the position or equivalent, preferred Minimum 7 years' experience in litigation management, mediation, or a related field. Minimum five years supervisory or leadership experience. Paralegal certification, preferred. Ability to work well independently or within a team. Proven experience in leading, training, and developing a team of professionals in case management or related fields. Strong working knowledge of FNMA/FHLMC/FHA/VA & USDA mortgage loan documents, including compliance with federal debt collection laws, bankruptcy regulations, and legal standards. Familiarity with Standard Operating Procedures, CFPB, RESPA, TILA, FCRA, and FDCPA is preferred. Exceptional interpersonal, leadership, and problem-solving skills. Familiarity with legal procedures and documentation related to contested matters. Ability to handle high-pressure situations while making sound, strategic decisions. Excellent verbal and written communication skills required. Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required. Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required. Commitment to company values. Customer Service - Proactive attention to each person. Integrity - Do and say what's right. Respect - Treat others with dignity. Collaboration - Listen and work together. Learning - Seek knowledge and strive for improvement. Excellence
Deliver the unexpected. Supervision Job Scope:
Oversees a discrete department or functional area; Executes the operational plan and leads operations of a single large function/program or multiple smaller functions/programs. Complexity:
Problems are often complex and specialized and may involve unprecedented circumstances; resolution requires investigation, analysis and review of professional/organizational standards. Impact:
Decisions and actions have a major impact on the strategic and operational outcomes of the area/unit; Has a direct and significant impact on the business and/or operations of the organization as a whole. Interaction/Supervision:
Generally manages staff with direct reports; responsible for complete oversight of people management of the area, including staffing, hiring, termination, and discipline, sets performance standards, evaluates staff, and makes pay decisions; accountable for staff development and training, etc. Direct Reports:
3 - 6 Indirect Reports:
8 - 10 Requirements: Physical: Work is primarily sedentary; mobility in an office setting. Manual Dexterity: Ability to operate standard office equipment and keyboards. Audio/Visual: 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
moderate noise, no substantial exposure to adverse environmental conditions. Travel: 5 - 10% Mental: Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow. Schedules: Work is primarily performed during the business week, Monday - Friday. 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.
Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm, we are dedicated to serving the homeowner/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 Summary The Manager, Complex Default Risk & Resolution will lead the resolution of the organization's most sensitive and high-exposure loans - including delinquent and defaulted loans in probate, litigation, contested status, complaints and title resolution. This position requires advanced organizational, communication, and problem-solving skills, as well as the ability to thrive in a fast-paced environment. In addition, representing the company, this role will include leading and training a team responsible for case management, ensuring that all team members are equipped to handle cases efficiently and effectively. Compensation This role is an exempt position with a Targeted Salary Range of $92,000 to $132,000. 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 Litigation Management:
Review, monitor, and decision litigated, contested cases, escalating issues to in-house counsel when necessary. Act as the primary point of contact between in-house counsel, local counsel, and business units, ensuring the smooth flow of information and resolution of issues. Mediation Coordination:
Participate in in-person and virtual hearings, trials, and mediations, ensuring all required documentation and information are prepared and presented in an organized manner. Title Issue Resolution:
Oversee the resolution of complex title issues, including mobile homes, HOA liens, delinquent taxes, lien priority, legal description errors, and deed issues, ensuring compliance with applicable regulations. Probate:
Work closely with executor of estate, obtaining fair market value, ensure property is being maintained and work closely with in house counsel and foreclosure counsel if loan is in default. Complaints:
Address all complaints, CFPB and Non-CFPB for delinquent and default loans working closely with Compliance and Legal Counsel. Fee Request Review:
Review contested matter fee requests for approval and ensure timely scheduling of updates and other necessary actions. Reporting and Documentation:
Maintain accurate and up-to-date records in internal tracking systems (such as I5 and BLITZ/AIQ), and complete additional reporting workbooks as needed. Ensure proper documentation of all actions taken and decisions made. Pipeline Tracking and Case Management:
Proactively track and manage the litigation and mediation pipeline, ensuring deadlines are met and cases are handled. Implement solutions to expedite case resolution when necessary. Regulatory Compliance:
Stay informed on changes in industry regulations, recommending updates to internal policies, procedures, and systems to align with new or changed requirements. Team Leadership and Training:
Lead, mentor, and train a team to handle complex litigation and mediation cases. Provide guidance and support to ensure all team members are equipped with the tools and knowledge needed to manage their caseloads effectively. Foster a collaborative and high-performance environment within the team. Qualifications Bachelor's Degree directly related to the position or equivalent, preferred Minimum 7 years' experience in litigation management, mediation, or a related field. Minimum five years supervisory or leadership experience. Paralegal certification, preferred. Ability to work well independently or within a team. Proven experience in leading, training, and developing a team of professionals in case management or related fields. Strong working knowledge of FNMA/FHLMC/FHA/VA & USDA mortgage loan documents, including compliance with federal debt collection laws, bankruptcy regulations, and legal standards. Familiarity with Standard Operating Procedures, CFPB, RESPA, TILA, FCRA, and FDCPA is preferred. Exceptional interpersonal, leadership, and problem-solving skills. Familiarity with legal procedures and documentation related to contested matters. Ability to handle high-pressure situations while making sound, strategic decisions. Excellent verbal and written communication skills required. Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required. Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required. Commitment to company values. Customer Service - Proactive attention to each person. Integrity - Do and say what's right. Respect - Treat others with dignity. Collaboration - Listen and work together. Learning - Seek knowledge and strive for improvement. Excellence
Deliver the unexpected. Supervision Job Scope:
Oversees a discrete department or functional area; Executes the operational plan and leads operations of a single large function/program or multiple smaller functions/programs. Complexity:
Problems are often complex and specialized and may involve unprecedented circumstances; resolution requires investigation, analysis and review of professional/organizational standards. Impact:
Decisions and actions have a major impact on the strategic and operational outcomes of the area/unit; Has a direct and significant impact on the business and/or operations of the organization as a whole. Interaction/Supervision:
Generally manages staff with direct reports; responsible for complete oversight of people management of the area, including staffing, hiring, termination, and discipline, sets performance standards, evaluates staff, and makes pay decisions; accountable for staff development and training, etc. Direct Reports:
3 - 6 Indirect Reports:
8 - 10 Requirements: Physical: Work is primarily sedentary; mobility in an office setting. Manual Dexterity: Ability to operate standard office equipment and keyboards. Audio/Visual: 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
moderate noise, no substantial exposure to adverse environmental conditions. Travel: 5 - 10% Mental: Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow. Schedules: Work is primarily performed during the business week, Monday - Friday. 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.