Underwriter III, Specialty Non-QM Loans

Guild Mortgage Company seeks an Underwriter III to perform underwriting activities related to the company's retail operations. The role is responsible for underwriting specialty loans, ensuring accuracy and completeness of loan documents, and approving or denying loan applications based on compliance with underwriting standards and risk management factors.

Requirements

• Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
• Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.
• Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.
• Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.
• Provide options and recommendations to borrowers regarding suitable loan programs.
• Stay abreast of current regulations and industry trends that affect compliance and decision-making.
• Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).
• Use expertise to answer questions and resolve escalated issues from junior-level teammates.
• Perform other duties as assigned.

Benefits

• Medical
• Dental
• Vision
• Life insurance
• AD&D
• LTD
• 401(k) with employer match