Eric Sitts
Sacramento,CA
Summary
Current Role: Loan Manager (Hybrid Sales & Operations) at Guild Mortgage, managing transactions from executed sales contract through close of escrow. Oversee a high‑volume pipeline, coordinate underwriting approvals, review loan conditions, organize borrower documentation, and evaluate property records including contracts, title, surveys, plat maps, easements, and CC&Rs. Ensure data security, regulatory compliance, and on‑time closings for the highest‑producing team in the California and Hawaii region.
Overview
2026
2026
years of professional experience
1
1
Certification
Work History
Loan Manager (Sales & Operations)
Guild Mortgage
Sacramento , CA
2024 - Current
- Manage full loan lifecycle from executed purchase contract to funding with seamless, compliant, on-time closings.
- Manage a high-volume pipeline while balancing deadlines, escalations, and client communications.
- Support the highest-producing team in the California + Hawaii region; selected for one of only three region-wide hybrid sales/operations roles based on experience and performance.
- Primary point of contact across real estate agents, title/escrow, insurance, AMCs, HOAs, borrowers, and internal teams.
- Partner directly with Underwriting to interpret guidelines, clear conditions, and resolve qualifying/property issues to final approval.
- Review and interpret sales contracts, title reports, plats, land surveys, recorded easements, and CC&Rs; to confirm property eligibility and identify access/use restrictions.
- Structure complex scenarios, assist with program selection/pricing, and apply updates to TRID/TILA/RESPA and investor requirements.
Loan Processor
Guild Mortgage
Sacramento , CA
2019 - 2024
- Independently processed high-volume, complex pipelines from application through closing in compliance with investor, state, and federal requirements.
- Verified income, assets, credit, and title; identified issues in legal descriptions/easements and coordinated resolution with title/escrow and underwriting.
- Drove condition clearing and milestone adherence across multiple counterparties to meet contract dates.
- Performed file QC ahead of underwriting and pre-closing to prevent defects and post-closing suspensions.
- Resolved title curative items (liens, vesting discrepancies, unreleased deeds of trust) with title officers and escrow.
- Investigated potential fraud/red-flag indicators (income/asset inconsistencies, occupancy risk) and escalated appropriately.
- Coordinated appraisal reconsiderations and value disputes with AMCs/appraisers using market data and investor guidance.
- Set up and verified escrow/impound requirements for taxes and insurance to align with program and investor rules.
Loan Officer Support
Primary Residential Mortgage, Inc. (PRMI)
Seattle, WA
2018 - 2019
- Maintained pipeline status in Salesforce and coordinated with borrowers, agents, escrow, and title to ensure timely collection of required items.
- Coordinated initial rate-lock requests, extensions, and change-of-circumstance documentation with the processing/lock desk.
- Prepared pre-submission checklists and organized files to meet investor/underwriter specifications, facilitating smoother review processes.
- Managed disclosure packages and ensured file readiness by collecting and organizing borrower documentation for compliance.
- Scheduled borrower appointments (applications, disclosures, notary signings) and maintained communication templates for milestone updates.
Junior Loan Officer (WA Licensed)
Guild Mortgage
Seattle, WA
2017 - 2018
- Supported borrower consultations and explanation of loan terms/disclosures; pre-screened documentation and prepared files for submission.
- Built pricing comparisons and scenarios to align borrower goals with program guidelines; documented compensating factors for submission.
- Nurtured referral-partner relationships (agent check-ins, listing updates) and assisted with open-house/marketing follow-ups.
- Produced pipeline activity reports and next-action task lists to keep files moving from prospect to application.
Transaction Coordinator
Guild Mortgage
Seattle, WA
2015 - 2017
- Tracked contract deadlines and coordinated documentation flow from contract to close, ensuring timely execution of transactions.
- Served as central communication point among parties, facilitating coordination and adherence to transaction schedules.
Sales Support Representative (Operations)
AT&T
Seattle, Washington
2014 - 2015
- Managed inventory reconciliation and cash deposits, ensuring adherence to corporate procedures and accuracy in financial reporting
- Supported retail locations through operational oversight and risk mitigation, coordinating effectively with facilities and technical teams to maintain operational integrity
- Conducted store audits to ensure compliance with policies on cash handling and inventory control, enhancing accountability and operational standards
- Flagged safety and facility repair concerns to ensure prompt action
Sales Representative
AT&T
Seattle, WA
2013 - 2014
- Assessed customer needs to recommend tailored devices, plans, and accessory solutions
- Set up new wireless services, device activations, port‑ins, and account changes while ensuring accuracy and policy compliance
- Clarified phone and device contracts, upgrade options, and service terms in customer-friendly language
- Simplified technical product features into plain-English benefits for non-tech-savvy customers
- Trained to use AT&T internal systems to identify service outages, diagnose network issues, and report outages for escalation
Education
Peace Officer Certification (CA) - Public Safety
Santa Rosa Junior College
Windsor, CA01-2012
Associate of Arts -
Santa Rosa Junior College
Santa Rosa, California, CA01-2011
High School Diploma -
Maria Carrillo High School
Santa Rosa, CA01-2009
Skills
- Microsoft Office (Word, Excel, PowerPoint, Outlook)
- Microsoft Teams
- Salesforce
- Adobe Acrobat, Data and Document Management Software
- RealQuest (CoreLogic), Fidelity Passport, FEMA Flood Zone Maps, CalFire Hazard Severity Zone Map
- Google Earth, USPS address validation
Certification
Mortgage Loan Originator License (NMLS)
Key Qualifications
- Property, Title, Easement & Legal Document Review
- Real Estate Contracts, CC&R's, Plat Maps & Land Surveys
- Regulatory Compliance & Information Security
- Negotiation, Risk Identification & Conflict Resolution
- Case & Pipeline Management in Deadline-Driven Environments
References
- Alli Rhodehamel - Senior Land Planner at PG&E (661-599-6608)
- Robert Villasenor - Senior Land Planner at PG&E (925-408-0630)
Timeline
Loan Manager (Sales & Operations)
Guild Mortgage
2024 - Current
Loan Processor
Guild Mortgage
2019 - 2024
Loan Officer Support
Primary Residential Mortgage, Inc. (PRMI)
2018 - 2019
Junior Loan Officer (WA Licensed)
Guild Mortgage
2017 - 2018
Transaction Coordinator
Guild Mortgage
2015 - 2017
Sales Support Representative (Operations)
AT&T
2014 - 2015
Sales Representative
AT&T
2013 - 2014
Peace Officer Certification (CA) - Public Safety
Santa Rosa Junior College
Associate of Arts -
Santa Rosa Junior College
High School Diploma -
Maria Carrillo High School