Guild Mortgage

Compliance

• Responsible for supporting Compliance Management Division to ensure the company is operating in accordance with applicable laws.
• Compliance Analyst, Licensing will ensure Guild remains in good standing with state and federal government agencies including Secretary of State offices, state regulatory agencies, CFPB, and Guild’s investors.
• Review, monitor, and renew Company, branch, and loan originator licenses through the Nationwide Mortgage Licensing System (NMLS).
• Review federal and state legislative changes, complete annual, quarterly, and monthly reports, and Mortgage Call Reports.
• Prepare and submit applications for mortgage lender or general business licensing for the company.
• Identify changes to filing requirements and inform management.
• Prepare and submit city/county and state license filings for branch office openings, closings and address changes.
• Follow up on status of applications, seek assistance to troubleshoot problems/resolve issues, report to management on current status of all applications, and see applications through to completion.
• Monitor continuing education requirements for MLOs and ensure they are met prior to company license renewal.
• At direction of management, periodically perform compliance checks to ensure MLO information is accurate in NMLS and employee files.
• Prepare and submit monthly, quarterly, and annual reports and license renewals (city/county and state).
• Identify changes to filing requirements and inform management.
• Monitor and renew existing company, branch, and loan originator licenses.
• Provide guidance to Loan Officers, Branch Managers, Production, and Servicing regarding licensing matters.
• Maintain tracking system to monitor for deadlines and due dates of various filings and renewals, including license and surety bond spreadsheets.
• Assist in filing the Mortgage Call Report quarterly.
• Notify department manager of any issues encountered during the filing process.
• Review will consist of analyzing data for accuracy and/or identifying discrepancies that should be escalated timely to management to determine an action plan.
• Provide responsive, courteous, and knowledgeable service to Branches and internal departments.
• Use computers to conduct research, including proprietary systems, subscriber databases and internet resources to resolve issues and verify compliance with regulations.
• Prepare and verify that complete files, including supporting documentation, are retained in accordance with required retention periods.
• Escalate issues that represent higher risk and fall outside of scope of responsibility.
• Identify and stay current on changes in industry regulations that impact work product.
• Ensure internal systems are updated as regulations change.
• Anticipate, organize, prioritize, and coordinate administrative responsibilities such as distribution of incoming and outgoing correspondence for the Compliance Management Division.
• Perform other duties and administrative functions as needed.

Compliance Analyst I, Licensing

Risk

• Assist in the implementation of data governance policies, standards, and procedures to ensure data quality, integrity, and security.
• Serves as liaison with Business and Data/Technology teams to apply data standards and processes (e.g. data access, classification, quality, certification, metadata, lifecycle and retention)
• Partners with Business and Technical Data Stewards to identify, define and maintain data definitions and corresponding metadata across business functions and data domains
• Monitor and enforce data governance policies and compliance with regulatory
• Provide support for data governance initiatives, such as data cataloging, data profiling, and data quality monitoring.
• Providing guidance and support to data stewards and business stakeholders with the identification and remediation of data-related issues
• Leads and/or supports facilitation of working groups, workshops, sessions and training to increase Data Governance Awareness and Data Literacy
• Maintain and update data governance documentation, including data dictionaries, metadata repositories, and data lineage.
• Perform other duties as assigned.

Data Governance Analyst

Producer

• Manage a team tasked with the day-to-day administrative support of Loan Officers
• Oversee the input and maintenance of MyKey and database system data
• The collection of loan applications, supporting documentation, and other paperwork
• The analysis of customer credit/financial scenarios
• Monitor operational performance/metrics for the department to maximize productivity, efficiency, and compliance levels
• Provide guidance, training, coaching, mentoring, recognition, and support to staff
• Hire, discipline, and exit team members when necessary
• Build and maintain solid working relationships with realtors with the goal of generating leads, increasing loan production, and providing exemplary customer service
• Ensure client meetings are regularly set and efficiently held; ensure regular and appropriate status updates are provided to customers throughout loan cycle
• Ensure the completeness, accuracy, timeliness and compliance of loan files
• Efficiently manage the loan pipeline; assign workload among staff and manage work schedules in order to ensure optimal loan completion rates
• Identify team training needs and provide training to staff in order to increase department knowledge and compliance
• Provide recommendations for new and revised procedures to increase efficiencies and/or decrease errors
• Cultivate and maintain a positive department culture that emphasizes teamwork, collaboration, and that openly shares information so that clients can be served as quickly and efficiently as possible
• Respond to escalated issues that cannot be resolved by teammates; assist with complex or problematic loans
• Provide back up support as needed; may originate loan production when department’s volume increases, and/or attend closings in the absence of Loan Officer(s)
• Oversee achievement of standards, risk management, quality control, and adherence to policy and procedure
• Provide data, reports, and status updates to Management as needed
• Stay abreast of industry trends and changing regulations and guidelines related to field of expertise; make recommendations for changes to policy, practice, and process accordingly
• Perform other duties as assigned.

Production Manager

Customer Support

• Role model and coach CSRs to explore, analyze, and respond to customers’ issues and concerns via phone, email, and letters.
• Address and clarify issues related to procedures and requirements, products, systems, responses, etc.
• Monitor, coach and recognize individuals and team for answering customer service calls in a timely and efficient manner.
• Respond to escalated calls that cannot be resolved by other Customer Service Representatives.
• Support new hire training and work closely with less experienced employees.
• Participate and make recommendations related to staff changes, interviews, and selection of new hires, internal promotions, performance evaluations, recognition, employee relations issues, and disciplinary actions.
• Share information and make recommendations to improve overall department performance and service levels, customer service initiatives, etc.
• Participate in creation of training materials and job aids, as well as any new rollouts or updates.
• Communicate with other departments and management to resolve problems and expedite work.
• Identify best practices and make recommendations to address a variety of complex and highly sensitive customer issues and situations.
• Stay current on changes in industry regulations and work with management to rollout changes and updates.
• Maintain and order department supplies.
• Provide status updates as needed.
• Perform other duties as assigned.

Senior Customer Service Representative

Product Manager

• Serve as a catalyst for change by fostering alignment and commitment to product management principles
• Build executive sponsorship and cross-functional buy-in for a product-first approach
• Develop and implement standardized frameworks, processes, and best practices for product management across all departments
• Collaborate closely with product teams to align product roadmaps with the organization’s strategic objectives and enterprise priorities
• Collaborate with executive leadership to define and communicate the enterprise product vision
• Drive cross-functional alignment between product teams and corporate strategy
• Establish governance mechanisms for roadmap planning and prioritization
• Implement tools and processes for product planning, prioritization, and performance tracking
• Ensure data-driven decision-making and continuous improvement across the product portfolio
• Monitor adherence to standards and provide guidance to departmental product managers
• Design career paths, training programs, and performance metrics for product management roles
• Act as a bridge between product teams and senior leadership, facilitating transparency and alignment
• Partner with Engineering, Design, Marketing, Sales, and Operations to ensure cohesive execution
• Incorporate market trends, competitive analysis, and customer feedback into enterprise-level product strategy
• Serve as a thought leader and mentor for product managers across the organization
• Foster a culture of collaboration, innovation, and accountability

Director, Product Management

Sales

• Collect and evaluate required documentation for incoming short sale packages
• Review borrower’s financial situation and hardship information to confirm hierarchy has been met
• Obtain required documentation to meet investor and insurer guidelines
• Order appraisals and ensure homeowners receive valuation notices and copies of appraisals
• Verify offers are made in accordance with requirements
• Submit short sale requests to investors as required by investor guidelines
• Send all required documents to borrower and escrow to ensure compliance with investor and insurer requirements
• Correspond with agents, third parties, escrow, title and homeowners
• Review all wires to ensure investor restrictions are met and approved
• Prepare and submit variances as needed
• Submit payoff short sale demands to Title
• Review incoming short sale wires and process closing steps
• Cancel Hazard Insurance on completed short sales or deed in Lieus
• Document all incoming correspondence so that service levels can be monitored to ensure state, investor, and insurer criteria have been met
• Demonstrate patience and professionalism when interacting with consumers via phone, email, or letter
• Prepare complete and accurate call notes, written documentation, and update customer files in system
• Communicate effectively with individuals/teams to ensure high quality and timely response and resolution to issues
• Follow Guild’s information security policies
• Assist with internal and external audit requests
• Perform other duties as assigned

Loss Mitigation Specialist, Short Sales

• Support the identification, measurement, and mitigation of fair lending compliance risks in the organization.
• Conduct detailed analysis of mortgage lending data to identify potential fair lending risks.
• Complete periodic fair lending reviews, including ongoing comparative file reviews, marketing analysis, quality of assistance, exceptions, and redlining reviews.
• Monitor and evaluate the company’s lending practices to ensure compliance with fair lending laws and regulations.
• Maintain an ongoing state-specific CRA monitoring program, coordinating business-line efforts in compliance with document retention requirements.
• Creates, updates, and maintains continuous records of CRA performance.
• Maintain detailed work papers to support findings from fair lending analyses and prepare clear and concise written reports on fair lending performance to senior management.
• Ensure appropriate remediation occurs.
• Develop and implement written policies/procedures and fair lending training programs for staff.
• Stay updated on changes in fair lending laws and regulations and ensure the company’s practices are aligned.
• Assist in the preparation for regulatory examinations and audits, including advance preparation, follow-up on issues and observations, and develop written responses as needed.
• Collaborate with compliance, legal, and business units to address fair lending issues.
• Maintain relationships for collaboration in developing and monitoring performance goals that meet the company’s fair lending and/or CRA objectives, as well as state-specific requirements.
• Support various business line projects to address specific fair lending compliance risk issues, working with business leaders to analyze and quantify risks, assess solutions or mitigation activities, and develop remediation plans.
• Oversee fair-lending related marketing efforts, ensuring that advertising is inclusive, and campaigns promote and focus on compliant fair lending practices.
• Review and conduct analysis on marketing programs to identify potential compliance fair lending issues, exercise decisions, and resolve independently.
• Provide support on reviewing advertisements in accordance with applicable laws and regulations.
• Provide support for the Home Mortgage Disclosure Act (HMDA) compliance program as needed.
• Maintain proficiency in software tools necessary to complete requisite fair lending analysis.
• Manage special projects and perform other duties as assigned.

Compliance Analyst II, Fair Lending

• Manage the development and delivery of various Artificial Intelligence products and services supporting IT and Business partner initiatives.
• Work closely with AI Analysts, AI Engineers, Data Scientists, Data Architects, Front End Developers, and other cross-functional teams to define the product vision, business and technology roadmap, features, and user stories.
• Oversee the product backlog, prioritizing tasks according to business value and customer feedback.
• Ensure the product meets quality standards, aligns with business goals, and delivers value to customers and stakeholders within resource and budget limits.

Product Owner – AI

Analyst

• Maintain and enhance the lead model for Guild’s servicing portfolio.
• Maintain and enhance lead generation efforts to support portfolio retention efforts.
• Perform qualitative and quantitative analysis on an individual level.
• Effectively communicate information to management by assembling and summarizing data and preparing reports.
• Maximize loan portfolio performance in line with the company’s business objectives.
• Perform ad hoc analysis as required.
• Formulate forecasts of future economic developments with regards to residential mortgage(s).
• Responsible for utilizing data from studies/surveys that will inform business decisions and identify opportunities for increased retention.
• Support other corporate initiatives outside of Portfolio Retention as time permits.
• Act as SME for Portfolio Retention to interface with other lines of business to support joint projects/initiatives.
• Create and maintain comprehensive reporting; generally, in an automated/refreshable manner.
• Deliver presentations to management that reflect findings, analyses, and recommendations decision making.
• Support in the execution of backlogged corporate projects across all platform stacks.
• Support the streamlining and improving of processes to support corporate initiatives.