Mr. Rish joined the Company in 1986. He started his mortgage training in Internal Audit, performing branch and investor compliance audits and was soon elevated to a position in Secondary Marketing. Mr. Rish has managed all aspects of the secondary marketing function to include branch and investor commitments, pipeline and inventory hedging and agency securitizations. He facilitated the design of Guild’s proprietary hedging model. Mr. Rish is an integral part of product development and designed various tools to facilitate the loan origination process such as the Company’s electronic loan finder and web based loan lock systems. He is in constant communication with branch originators and investors to expand Guild’s product offerings and maintain competitive pricing. Mr. Rish is a graduate of the University of San Diego in 1984 with a B.B.A. in Accounting with an emphasis in Computer Science.