DWAINE BAKER
A seasoned Senior Mortgage Underwriter who is a highly skilled leader
with comprehensive knowledge of underwriting diverse types of loan products. An innovative and confident analytical person with a reputation for achieving established objectives
CONTACT
6955 Poppy Hills Lane #1633
Charlotte, NC 28226
WEBSITE:
www.linkedin.com/in/dwainebaker
EMAIL:
ad07b0@r.postjobfree.com
SKILLS
Appraisal Examination
Risk Management
Conventional and
Government Underwriting
Credit and Income Analysis
Underwriting to manual
guidelines
Jumbo and Non QM
Excellent attention to detail
Time Management
Proficient in working on
various LOS systems including
PCLender, Encompass, and
Octane
Problem-solving
EDUCATION
WV State College
Coursework pursuing a degree in Business Administration Professional Development
American Institute of Banking – Courses in Appraisal review, scrutinizing complex tax returns and general Mortgage Underwriting courses WORK EXPERIENCE
LAKEVIEW LOAN SERVICING
Underwriter
02-2021 to 11-2022
Conducted detailed risk analysis of 2-3 files daily, Managed an assigned pipeline by decision initial submissions within 24 hours and resubmissions within 48 hours, Maintained healthy relationships with all business partners, and Underwrote more complex loan files. CARDINAL FINANCIAL CORPORATION
Underwriter III
01-2020 to 02-2021
Continually decision 2-4 files daily. Inspected all financial documentation and the appraisal to justify a decision. Met all quality metrics as communicated by management. Exhibited superior decision-making skills that were supported by documentation and research.
ROUNDPOINT MORTGAGE COMPANY
Senior Underwriter
01-2019 to 02-2020
Ensure loan decisions met internal and external eligibility requirements Performed appraisal review, Alt-A, Single Family, Condo, Townhouse, and multiple-unit income-producing properties. Scrutinized credit reports, asset statements, income documentation (including complex tax returns), appraisal, and trust agreements to complete 2-4 files per day.
LEGACY MUTUAL MORTGAGE COMPANY
Senior Underwriter
04-2018 to 09-2018
Underwrote special program loan as determined by lending authority as set by management within the authority of $2.5M Collaborated with team members to identify potential solutions for initially denied files.
MOVEMENT MORTGAGE GROUP
Senior Underwriter
06-2015 to 11-2017
Underwrote Conventional and FHA with AUS approval and Jumbo loan products. Exercised prudent judgment in loan decision-making and in recommending exceptions to Loan Committee Management. Upheld quality and production standards as established by management and investors.
PACIFIC UNION FINANCIAL MORTGAGE CORPORATION
Senior Underwriter
11-2014 to 06-2015
Review multiple files daily to reach production goals while maintaining excellent loan quality.
Leveraged knowledge of loan products to help restructure declined loans for subsequent approval.
Maintained quality control while maintaining standards by company definition.
SUNTRUST BANK, N.A.
Senior Underwriter
10-2010 to 11-2014
Underwrote daily average of 4-5 loans representing diverse loan programs.
Selected by management to be one of three Senior Underwriters for a pilot program to mentor Junior Underwriters/Senior Processors. ZENTA MORTGAGE SERVICES
Senior Underwriter
01-2008 to 09-2010
Underwrote an average of 5 Conventional initial loan submissions and resubmissions
Subject Matter Expert assigned to less experienced Underwriters to coach, train, mentor, and motivate Junior Underwriters. Top 15% of Underwriters companywide for maintaining high quality and less than 1% error rate.