Company: Guild Holdings Company
Posted on: June 6, 2021
Guild Mortgage Company, closing loans and opening doors since
1960. As a mortgage banking firm we are dedicated to serving the
home owner/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
The Underwriter III plays an important role in the organization
by performing a number of activities related to the company's
retail operations functions. The role is primarily responsible,
under intermittent to infrequent supervision, for underwriting
conventional, FHA, VA, USDA, new construction, and condominium
project loans according to company, secondary market investor, and
government agency standards. This includes ensuring all tax, title,
insurance, and closing documentation associated with the loan
applications are accurate and complete, and approving or denying
loan applications based on compliance with underwriting standards
and risk management factors. The Underwriter III is considered the
"go to" subject matter expert when the Lead/Supervisor/Manager is
- 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.
- Review appraisals to ensure that loans meet secondary market,
investor, and company standards.
- Work with Loan Processors and Loan Officers on collecting
information and documentation necessary to finalize incomplete loan
- Determine if additional documentation or information would aid
loan decision; request additional documentation or information
- 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.
- High school diploma or equivalent required; college
courses/technical training related to Business, Finance/Accounting,
Legal, or related field is preferred, along with total recent work
experience that includes five or more years underwriting
conventional, FHA, VA, or Bond Program loans, and/or five or more
years experience underwriting jumbo, or permanent/one-time close
- Direct Endorsement (DE) certification required; must have
current certification(s) for any assigned region with
state-specific requirements to originate/supervise loans, along
with endorsements including Direct, VA, Auto and SAR.
- Expert-level knowledge of overall mortgage lending processes,
including underwriting, funding, and loan processing.
- Expert-level knowledge of valid documentation related to the
processing consumer mortgage applications (e.g., tax returns,
financial statements and records, verification of income and
- 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, including the ability to evaluate
facts and data to draw conclusions, and determine the downstream
impact of decisions and associated risks.
- Ability to prioritize multiple tasks in a deadline-driven
environment; strong sense of urgency and responsiveness.
- Intermediate math skills.
- Strong verbal and written communication skills.
- Strong detail orientation and highly organized.
- Prior experience using internal data entry systems, Microsoft
Word, Excel and PDF/Document Retention programs.
- Intermittent to infrequent supervision required, depending on
- Moderate to high levels of independent judgment and discretion
required; resolves escalated issues of high complexity
- May provide guidance to less experienced teammates
- Travel: 0%
- Physical: Work is primarily sedentary; occasionally walks
- Manual Dexterity: Frequent use of computer keyboard and
- Audio/Visual: 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.
- Environmental: Office environment - no substantial exposure to
adverse environmental conditions.
Guild offers a pleasant work environment, competitive
compensation and excellent benefits package; including medical,
dental, vision, life insurance, AD&D, LTD and 401(k) with
Guild Mortgage Company is an Equal Opportunity Employer.
Keywords: Guild Holdings Company, Tempe , Underwriter III, Other , Tempe, Arizona
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