Rose Eberhard Email & Phone Number

San Diego, Ca, Us

5898 Copley Drive 4Th Flr

• Processor broker and correspondent applications and annual re-certifications• Understand HUD and VA regulations and apply that understanding to account maintenance• Maintain broker licensing/NMLS changes current• Troubleshoot account related issues as they arise• Manage broker compensation tiers• Interact with Wholesale and Correspondent Division personnel, account executives and management to keep account approvals current and in good standing• Interact with brokers, providing information and service they need to help them do business with Guild• Use available tools and evaluate available information to reduce Guild’s risk• Keep pace with industry changes and adapt to new policies and procedures ensuring compliance in how we do business• Develop knowledge of state licensing regulation and requirements• Any other reasonable duties required by Guild Mortgage Company or Branch Manager to be performed by Quality Control Analyst, Broker Services.• Conducting thorough due diligence to verify that the service provider understands and is capable of complying with applicable Federal consumer financial law.• Requesting and reviewing the service provider’s policies, procedures, internal controls, and training materials to ensure that the service provider conducts appropriate training and oversight of employees and agents that have consumer contact or compliance responsibilities• Including in the contract with the service provider clear expectations about compliance, as well as appropriate and enforceable consequences for violating any compliance-related responsibilities, including engaging in unfair, deceptive, or abusive acts or practices• Establishing internal controls and ongoing monitoring to determine whether the service provider is complying with Federal consumer financial law• Taking prompt action to address fully any problems identified through the monitoring process, including terminating the relationship where appropriate.

5898 Copley Drive 5Th Floor

Staff Accountant• Processed Sales• Processed Cash Flow• Process Trust Account Deposit, GAD Deposits, Esc Completion• Performed month end duties including journal entries, reporting and GL review.• Reconciling GL’s..e.g A/P Book Balance, Loan Servicing, etc..• Process FNMA & FHLMC DU Billing • Perform day to day procedure for funding wires• Allocate loans to various warehouse banks for funding• Review CPL’s if needed• Knowledge of what different warehouse banks procedures in pre funding loans• Prepares Daily Warehouse Reports• Review accounts assigned in preparation for numerous audits• Fund Payroll• Upload loans for funding with 5 different warehouse banks• Excellent in communication skills both written and verbal.• Ability to multi task and work independently

Stockton, California Area & San Diego Area

• Perform the day-to-day daily procedure to maintain Trust Account Control Balance of counties assigned. • Receives incoming wires. • Review and releases outgoing wires.• Knowledge of using banking services to help Daily/Monthly Reconciliation’s (i.e. Positive Pay, Daily Banking, etc…)• Knowledge of handling returned items; Check Paid Differences, Checking charges and fees.• Managed multiple tasks concurrently.• Ability to meet deadlines.• Self Motivated, detail oriented and able to work independently.• Performed month end duties including journal entries, reporting and ledger review.• Review Accounts Receivables issues.• Assisted in preparing for the annual audit, including preparing various schedules, reconciliation, and providing documentation as needed.• Excellent in communication skills both written and verbal.• Proficient in TEAM and NGS software.