Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the homeowner/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.
Provide assistance to loss mitigation department as needed.
Compensation
This role is a non - exempt position with a targeted salary range of $18 to $21 hourly.
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.
Perform general clerical duties and office support: photocopying, filing, and faxing.
Essential Functions
- Overnight orders and track trial payment plans for all workouts.
- Assist with mailing Loan Modification Agreements.
- Ordering f/c fees and following up until received.
- Assist with permanent Loss Mitigation documentation on I5.
- Mail copy of fully executed Loan Modification agreement to borrower.
- Maintain office supplies inventory and placing orders when needed.
- Create loss mitigation folder for analyst/order credit report.
- Coordinate department meetings
- Demonstrate patience and professionalism when interacting with consumers via phone, email, or letter.
- Communicate effectively with individuals/teams to ensure high quality and timely response and resolution to issues.
- Assist with internal and external audit requests.
- Assist loss mitigation intake team with duties as needed.
- Communicate effectively with individuals and teams to ensure high quality, timely response, and resolution to issues
- Assist with internal/external audits and compile pre/post-findings to investors, including CFPB.
- Identify and stay current on changes in industry regulations, and recommend updates to internal policies, procedures, policies, and systems based on new/changed requirements
- Prepare and submit all mortgage insurance and investor reporting for FNMA, FHLMC, FHA, VA and USDA throughout each month.
- On a daily basis, review NSF reports that require individual account analysis; identify and issue any necessary HBR letters for the states of CA, NV & WA and delinquency and state specialty letters as required by state regulators.
- Review the payment exceptions received in-house; perform account analysis to determine any necessary repayment arrangements, possible update of HBR letters or risks of invalidating foreclosure activity.
- Provide training for both new and existing employees.
- Handle notarization processes with expertise.
- Provide posting instructions and review of NSF/Returned checks requiring the reissuance of HBR letters to the Cashiering Department, when necessary.
- Provide reinstatement quotes.
- Post trial plan payments received into investor systems.
- File for FNMA reclass on loans where necessary.
- Administer stop codes preventing outbound collection efforts monthly to ensure accounts are coded in compliance with customer repayment agreements; remove codes as necessary.
- Other duties as assigned
Qualifications
- 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
Supervision
Job Scope: Responsible for understanding the department/area goals and how own job contributes to achievement of these goals.
Complexity: Problem solving involves evaluating and selecting from established practices and standards; Decisions and actions related to the budget must be referred to the supervisor/budget manager.
Impact: Decisions and actions impact the results of own work team.
Interaction/Supervision: Work is monitored under general supervision of supervisor and by following established, specific procedures described by supervisor; May act as a guide to less experienced staff in similar role and/or student employees; generally does not have formal responsibility for overseeing others.
Requirements
- Work is primarily sedentary; mobility in an office setting.
- Frequent use of computer keyboard and mouse.
- 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.
- Office environment – moderate noise, no substantial exposure to adverse environmental conditions.
- Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.
- This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities.
- Must be able to adhere to process protocol. Must be able to apply established protocols in a timely manner.
- Work is primarily performed during the business week, Monday - Friday.
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.
REQ#:LOSSM018500
