Investor Suspense Underwriting Analyst

🔥 12 hours ago

🇺🇸 United States – Remote

💵 $85k - $100k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📋 Underwriter

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Guild Mortgage

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1960

🏗️ Construction

💸 Finance

🏠 Real Estate

Construction • 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

• Work with Suspense Specialists and Investors to resolve defects and get loans purchased in a timely manner • Handle a pipeline of escalated problem loans and conduct independent research to rebut Investor decisions • Analyze suspense trends and prepare recommendations to improve manufacturing quality • Collaborate with a large team and help train suspense specialists on loan guidelines and manufacturing • Review and evaluate loan documents for accuracy, completeness, and compliance with company, federal, agency, state, and local standards • Analyze loan-to-value ratio, debt-to-income ratio, credit reports, applications, income and assets, down-payment funds, and supporting documentation to identify potential fraud or misrepresentation • Review appraisals to ensure loans meet secondary-market, investor, and company standards • Work with Loan Processors and Loan Officers to collect information and documentation needed to finalize incomplete loan packages • Stay current on regulations and industry trends affecting compliance and decision-making • Answer questions and resolve escalated issues from junior-level teammates • Perform other duties as assigned

🎯 Requirements

• Bachelor's Degree directly related to the position or equivalent, preferred • Minimum five years' experience in underwriting conventional, FHA, VA, or Bond Program loans, and/or experience underwriting jumbo, or permanent/one-time close loans • Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing • Expert-level knowledge of valid documentation related to processing consumer mortgage applications, including tax returns, financial statements and records, verification of income and deposits • Expert-level knowledge of underwriting and regulatory requirements • Detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls • Ability to think critically and evaluate facts and data to draw conclusions and determine downstream impacts and associated risks • Ability to prioritize multiple tasks in a deadline-driven environment • Intermediate math skills • Strong verbal and written communication skills • Strong detail orientation and highly organized • Ability to work in a fast-paced, metrics-driven environment • Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required • Ability to adhere to process protocol and apply established protocols in a timely manner • Work primarily performed Monday–Friday during the business week

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Life insurance • AD&D • LTD • 401(k) with employer match • Pleasant work environment • Competitive compensation • Excellent benefits package