LANE DANIEL HOUSE

**** ********* *****, *********, ** 43004 · 614-***-****

adq3na@r.postjobfree.com

Mortgage industry professional with underwriting and processor experience in all loan products. Experience with purchases and refinances in FHA, USDA, VA, Conventional, Non-delegated/delegated and private wealth. Diligent and detail-oriented. Over 3 years of current experience using Encompass. Ability to maintain adherence to ever changing regulation and product guides to appropriately underwrite various loan files while meeting regulated time requirements.

EXPERIENCE

APRIL 2021 – APRIL 2022

SENIOR MORTGAGE LOAN PROCESSOR, Lower.com

Review financial information for approval of lending.

Worked in every state and adhered to regulations for each.

Primarily worked USDA, FHA and VA loan types.

Created solutions for unique qualification issues.

Coordinated with buyer, seller, agent's and title company.

MARCH 2019 – APRIL 2021

SR. MOTGAGE PROCESSOR, northwest bank

Review customer financials to evaluate for approval of mortgage.

Compare collateral documentation to determine loan to value calculations.

Create workable solutions to assist in qualification with different loan types.

Evaluate appraisals for accuracy.

Review title commitments.

Communicate with customers to collect additional documentation as needed.

MARCH 2018 – MARCH 2019

SALES SUPPORT SPECIALIST, Johnson & johnson

Prepare Hospital billing sheets for medical parts utilized in surgical settings.

Personally manage 40+ hospitals for billing.

Work with sales reps and hospital staff to ensure 95% of invoices billed are paid each month (6 million average)

Prepare pricing for all individual hospitals.

Collect missing invoices to ensure no billing is outstanding more than 30 days.

MAY 2013 – MARCH 2018

SR. MORTGAGE UNDERWRITER II-QUALITY REVIEW, JP Morgan chase bank

Review proposed mortgage loans underwritten for high net worth individuals to ensure they are error free prior to going to funding.

Evaluate loans for potential risks and mitigating factors that could affect the client's ability to repay.

Analyze complex appraisals to ensure they comply with JPMC's procedures and all regulatory requirements. Also responsible for determining if the collateral is appropriate for the loan, the property does not have detrimental characteristic and the collateral conforms to WMIS policy and Mortgage Center procedures.

Complete high level Appraisal evaluation and determine if they are acceptable prior to funding for All purchase/Non-purchase money transactions and Standalone HELOC's.

Analyze business/consumer financial statements, CBR's, calculate cash flow and balance sheet rations and recommend the credit decision.

APRIL 2011 – MAY 2013

HOME LENDING UNDERWRITER SUPERVISOR, JP MORGAN CHASE

Manage a team of 10 FTE's.

Daily review of underwriter pipelines to ensure compliance of 3 day SLA.

Oversee review of financial data, bank statements, Profit and Loss, appraisals, Paystubs, tax returns, etc to determine a borrower's ability to qualify for a modification.

Assist underwriters with complex document review including, but not limited to, Financial forms, profit and loss, cash flow statements, complex appraisals, tax returns, K-1's, etc.

Manage KPI's to determine UW's daily work completed and ability to move files.

Work with various investors and liaisons; generally FHA, VA and USDA.

Manage schedules, personnel files, and handle any employee issues.

Work with staff to mitigate loss on behalf the investor.

Keep staff current on all policy and procedure changes.

MARCH 2010 – APRIL 2011

HOMEOWNERSHIP CENTER ADVISOR, jp morgan chase

Conduct face to face meetings with customers in default or at high risk for delinquency to evaluate their financial ability, intent, willingness, reason/risk for default, and apply the appropriate retention or liquidation solutions.

Meet with non-profit agencies, loan officers, bank personnel and other referring agencies to identify potential customers in need of advisory services.

Recommend and initiate loss mitigation workouts that are appropriate to the situation according to the Net Present Value (NPV) or Profit and Loss (P&L) results that are within internal guidelines and policies.

Examine, review and re-negotiate real estate purchase offers including sales terms, concessions and timing issues.

Evaluate appraisals to ensure they present an appropriate LTV for the client.

SKILLS

Ability to work independently under minimal supervision

Well versed in conflict resolution.

Focused and ability to manage time to meet goals.

Flexible with ever changing environments

Works well under pressure

ACTIVITIES

Outside of my career, I am a foster parent. I have the joy of helping children and their families in their time of need and working to assist them to develop the tools needed to have a safe and healthy life together.

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