Underwriter III
Guild MortgageCalifornia, United States
Posted February 23, 2026
Full Time
About the Company
Guild Mortgage is a leading independent mortgage lender that has served customers since 1960, offering a broad range of specialized loan products—including VA, FHA, USDA, conventional, and refinance options—to meet the needs of all types of homebuyers. The company differentiates itself through a steadfast commitment to closing loans on time, personalized service from both in‑person and online loan officers, and a direct‑lender model that tailors each loan to individual borrower goals. Guild’s long‑term relationships with borrowers and its reputation for stability, experience, and uncompromising customer service make it a trusted partner for home financing. The firm’s inclusive culture, equal‑opportunity employment stance, and extensive licensing across multiple states underscore its dedication to ethical and transparent mortgage practices.
Job Description
The Underwriter III plays an important role in the organization by performing various activities related to the company's retail operations functions, including underwriting conventional, FHA, VA, USDA, new construction, and condominium project loans.
Requirements
- 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 packages.
- Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.
- 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.
Benefits
- Medical
- Dental
- Vision
- Life insurance
- AD&D
- LTD
- 401(k) with employer match