Guild Holdings Company (NYSE:GHLD) Q4 2022 Earnings Conference Call March 9, 2023 5:00 PM ET Company Participants Nikki Sacks - Investor Relations Mary Ann McGarry - Chief Executive Officer Terry Schmidt - President Amber Kramer - Chief Financial Officer David Neylan - Chief Operating Officer Conference Call Participants Don Fandetti - Wells Fargo Rick Shane - JPMorgan Kyle Joseph - Jefferies Operator Good day and welcome to the Guild Holdings Company Fourth Quarter 2022 Earnings Conference Call. [Operator ...