Loss Mitigation Underwriter Guild Mortgage Company $24/hour | Full-Time | 6 month contract Guild Mortgage Company has been serving homeowners and buyers since 1960. We are looking for a Loss Mitigation Underwriter to join our team and help evaluate delinquent mortgage accounts and determine appropriate workout solutions for borrowers experiencing financial hardship. About the Role The Loss Mitigation Underwriter evaluates and underwrites loss mitigation applications using borrower financial information, investor guidelines, and established underwriting standards. This position requires strong analytical skills, attention to detail, and experience with mortgage servicing and loss mitigation. You will analyze borrower income and expenses, review supporting documentation, run investor waterfall calculations, and determine appropriate solutions such as loan modifications, forbearance, repayment plans, deferrals, and partial claims. Responsibilities Review and underwrite loss mitigation applications and complete workout packages. Analyze borrower income, expenses, assets, and financial hardship documentation. Determine borrower eligibility using investor guidelines and waterfall requirements. Evaluate and recommend workout solutions, including: Loan modifications Forbearance agreements Repayment plans Payment deferrals Partial claims Work with FNMA, FHLMC, FHA, VA, USDA and other investor requirements. Obtain and review required documentation within established timelines. Perform income and expense calculations to determine repayment ability. Run waterfall calculations and obtain workout results through investor systems. Coordinate with internal departments, investors, agencies, and other parties to resolve loan issues. Order appraisals, title endorsements, date downs, and other documentation when required. Maintain accurate loan-level records and update internal and investor systems. Ensure files comply with investor, regulatory, state, federal, and CFPB requirements. Assist with audits and process-improvement initiatives. Follow up on outstanding documentation and issues to ensure timely decisions. Maintain accurate documentation and meet department productivity and quality standards. Qualifications 2+ years of mortgage servicing experience OR 1+ year of loss mitigation experience. Experience underwriting or evaluating delinquent mortgage loans strongly preferred. Working knowledge of FNMA, FHLMC, FHA, VA, and USDA loan requirements. Understanding of mortgage servicing, loss mitigation, and workout processes. Knowledge of applicable mortgage servicing regulations and compliance requirements. Strong financial analysis and mathematical skills. Ability to analyze income, expenses, assets, and borrower financial statements. Strong attention to detail and accuracy. Ability to work independently in a fast-paced, metrics-driven environment. Strong written and verbal communication skills. Proficiency with Microsoft Office, particularly Excel and Word . Familiarity with ICE/Blitzdoc or similar document management systems is a plus. Bachelor's degree in a related field preferred; equivalent education and experience may be considered. What We're Looking For The ideal candidate has hands-on experience in mortgage servicing and loss mitigation and understands how to evaluate a borrower's financial situation against investor guidelines to determine an appropriate workout solution. You should be comfortable working with detailed financial documentation, meeting regulatory and investor deadlines, managing multiple files, and making accurate decisions independently.

Additional Information Pay:

$24/hour Occasional weekend work may be required based on business needs. Must be able to work effectively in a deadline-driven environment. Company Values At Guild Mortgage, we value: 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

EQUAL EMPLOYMENT OPPORTUNITY STATEMENT

Suna Solutions provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Applicants, with criminal histories, are considered in a manner that is consistent with local, state, and federal laws.

REQUESTING AN ACCOMODATION

Suna Solutions is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Suna Solutions and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired. If you would like to be considered for employment opportunities with Suna Solutions and have accommodation needs for a disability or religious observance, please call us at 1 (888) 223-4788, send us an email or speak with your recruiter.

PAY TRANSPARENCY POLICY STATEMENT

Compensation for roles at Suna Solutions varies depending on a wide array of factors including but not limited to the specific client, office or remote location, role, skill set and level of experience. As required by local law, Suna Solutions provides a reasonable pay scale to include the hourly or salary range that Suna Solutions reasonably expects to pay for roles that may be hired in

California, Colorado, New York City or Washington STATE:

$________24_________ #IND1

Pay:

$24.00 per hour Expected hours: 40.0 per week Application Question(s): Do you have at least 1 year of hands-on loss mitigation experience OR 2 years of mortgage servicing experience? Have you personally evaluated borrower financials and determined loss mitigation/workout options? Do you have working knowledge of

FNMA/FHLMC/FHA/VA/USDA

mortgage requirements?

Work Location:

In person