Credit Policy Analyst

🕒 April 9

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Guild Mortgage

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1960

💸 Finance

🏠 Real Estate

Finance • Real Estate

Guild Mortgage is a U. S. -based mortgage lender and loan servicer that provides a wide range of home financing products and services to consumers and business partners. The company offers purchase and refinance mortgages, including conventional, FHA, VA, USDA, jumbo, renovation, construction, reverse mortgages, HELOCs, and specialty programs and down-payment assistance. Guild Mortgage operates nationwide through local branches and loan officers, supports borrowers with servicing and online account management, and partners with builders, real estate agents, title agents, and correspondents.

📋 Description

• 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.

🎯 Requirements

• 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.