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 Credit Policy Analyst plays an important role in the organization by maintaining and interpreting credit policies that govern lending decisions and ensure alignment with the organization’s risk appetite, regulatory requirements, and investor guidelines. This role also provides support for credit related questions on a loan program basis.
Compensation
This role is an exempt position with a targeted salary range of $86,229/year to $129,273.75/year.
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
- Provide knowledge support to the SVP, Credit Risk and the Director, Credit Policy as needed.
- Act as a key point-of-contact for questions related to loan products and guidelines.
- Responsible for monitoring investor guideline announcements and subsequently updating internal product guidelines to ensure alignment.
- Create and actively monitor for changes in market and risk appetites white label Non-QM guidelines.
- Act as 2nd reviewer on any guideline changes performed by other team members.
- Maintain a strong working knowledge of the company’s credit policies and procedures; make update recommendations when necessary.
- Collaborate cross-functionally with operations and production to facilitate any necessary guideline change requests.
- Provide recommendations to changes in practice or procedures and execute accordingly.
- Create and format internal support documents, including, but not limited to, matrices, job aids, checklists, based on information provided.
- Assist with the monitoring, review and maintenance of specialized reports.
- Assist with special projects as needed.
- Perform other duties as assigned.
QUALIFICATIONS
- Bachelors Degree directly related to the position or equivalent, preferred.
- A combination of education and experience may be considered in lieu of the Bachelor’s degree.
- Minimum 10 years experience mortgage underwriting roles.
- Solutions oriented with the ability to understand complex risk scenarios.
- Deep knowledge of mortgage regulations and investor guidelines for non-agency loans.
- Strong analytical, communication and problem-solving abilities.
- Ability to comprehend, analyze, and interpret complex documents.
- Ability to think strategically and deliver executable plans to achieve overall goals.
- Ability to adapt to new ideas, innovative approaches and constantly evolving industry trends.
- Possess a high level of discipline with learning new concepts and adapts well to changes
- Excellent time management and project management skills.
- Expert-level understanding of the intricacies of GSE, FHA, VA, USDA, Agency, Jumbo and Non-QM investors.
- Passionate about delivering excellence in customer service within a team environment.
- Ability to organize and manage multiple priorities simultaneously.
- Self-motivated with a strong attention to detail.
- 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: Responsible for understanding the department/functional area objectives and goals and how own job contributes to achievement of these goals; may recommend changes and enhancements based on analysis and evaluation of circumstances.
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 an impact on the smooth operation and timeframes of the department, programs/projects; impact on the broader organization is generally indirect.
Interaction/Supervision: Acts as a mentor/guide to less experienced professional contributor staff in a similar role; works independently and only under general direction; guided by professional standards, desired outcomes, and project plan specifications.
Requirements
- Work is primarily sedentary; mobility in an office setting.
- Ability to operate standard office equipment and keyboards
- Frequent use of computer keyboard and mouse.
- 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.
- Office environment – moderate noise, no substantial exposure to adverse environmental conditions.
- Travel 5% or less.
- Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.
- This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities.
- Must be able to adhere to process protocol. Must be able to apply established protocols in a timely manner.
- Work is primarily performed during the business week, Monday - Friday.
Guild Mortgage Company is an Equal Opportunity Employer.
REQ#: CREDI018002