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 lending industry.
Position Summary:
The UW Liaison II plays an important role in the organization by performing a number of activities related to the company’s Operations functions. The role is primarily responsible, under limited supervision, for working with and assisting Sales and Operations in identifying specific products that best fit individual borrower needs. This role will help support loan structuring/product support, income calculations, training support, SME of programs and products, and underwriting support.
Essential Functions:
- Examine and analyze loan conditions, determine if Underwriter oversight is required and clear conditions accordingly.
- Gain all underwriting authority for conforming and government loans.
- Provide customer service to Retail and Correspondent origination staff related to general product questions, resolving inquiries related to pricing, eligibility, lock policy, and loan scenarios.
- Assist with underwriting new decisions and clearing conditions based on the current capacity load to help maintain Service Level Agreements during peak times.
- Maintain a strong working knowledge of company product and processes.
- Assist Loan Officers in identifying specific products that best fit individual borrower needs.
- Serve as feedback conduit from field to headquarters regarding strengths and weaknesses of existing product offerings and processes; identify areas of improvement, recommend solutions, etc.
- Partners with Regional VP, Regional Operations Manager, Operation Center staff and Corporate departments in educating the field on new product offerings and enhancements; help manage new product/product change roll out announcements and other internal communications related to area of expertise.
- Partners with Regional VP, Regional and District Operations Manager, Operation Center staff and Corporate departments in providing initial and ongoing product training to field staff; collaborate with training department, helping identify training needs and providing applicable solutions.
- Present and promote webinars related to products as needed.
- Provides guidance to Loan Officers, LOAs, Loan Processors in the branches with selecting the best product and loan structuring for their customer.
- Read and respond to UW Help questions received via email on moderate to high complexity inquiries.
- Perform as main point of contact to assist Underwriters with incoming phone calls, status and communicate any relevant informant with branch personnel.
- Prepare self-employed income calculations using LoanBeam. Be SME for LoanBeam.
- Offer guidance to sales on all jumbo products. Be SME for jumbo products.
- Perform other duties as assigned.
Qualifications:
- Bachelor’s degree along with a minimum of five years’ total mortgage experience including high level underwriting authority with DE/SAR
- Expert-level understanding of the intricacies of mortgage product guidelines and process.
- Passionate about delivering excellence in customer service.
- Excellent verbal and written communication abilities.
- Ability to act as a team player, eliminating silos and effectively working with others.
- Strong critical thinking skills with an eye for strengthening and/or improving processes.
- Ethical, with a commitment to company values.
Supervision:
- General to limited supervision required
- Applies sound judgment in execution of core job responsibilities, thinks critically regarding the downstream impact of decisions
- Travel: 15%
Requirements:
- Physical: Work is primarily sedentary; mobility in an office setting.
- Manual Dexterity: Frequent use of computer keyboard and mouse.
- 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 broad casted 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 employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
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.
