Credit Policy Analyst

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Guild Mortgage

WebsiteLinkedInAlle Stellen

1001 - 5000 Mitarbeiter

Gegründet 1960

💸 Finanzen

🏠 Immobilien

Finance • Real Estate

Guild Mortgage ist ein in den USA ansässiger Hypothekengeber und Darlehensabwickler, der Verbrauchern und Geschäftspartnern eine breite Palette von Wohnfinanzierungsprodukten und -dienstleistungen bietet. Das Unternehmen offeriert Kauf- und Refinanzierungshypotheken, darunter konventionelle, FHA-, VA-, USDA-, Jumbo-, Renovierungs-, Bau-, Umkehrhypotheken, HELOCs sowie Spezialprogramme und Unterstützung bei der Anzahlung. Guild Mortgage ist landesweit durch lokale Niederlassungen und Kreditberater tätig, unterstützt Kreditnehmer mit Serviceleistungen und Online-Kontoverwaltung und arbeitet mit Bauträgern, Immobilienmaklern, Notariatsangestellten und Korrespondenten zusammen.

Beschreibung

• 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.

🎯 Anforderungen

• 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.