Michael W. Biggs

**** ********** *****

Raleigh, NC 27604

Phone: 704-***-**** Email: ab9ty6@r.postjobfree.com

Education: American Intercontinental University

Masters of Information Technology, August 2002

Los Angeles, CA

Elizabeth City State University

Elizabeth City, NC

Bachelors of Computer Science, July 1994

Professional

Experience:

Wells Fargo

Charlotte, NC

Consumer Loan Underwriter 2 8/12-

6/13

. Authorize Conventional purchase and refinance loans with

signing authority up to $2,000,000.

. Analyze financial statements, insurance, legal documents

and other supporting documentation to determine

overall compliance and soundness of the cooperative housing

projects to permit lending and ensure loan salability.

. Contact sales partners and cooperative management to gather

information required to make appropriate decisions on

projects reviewed, explain rationale behind decision to

sales partners.

. Work with secondary market investors to obtain project

eligibility waivers when available.

. Maintain and update the CPAT database to ensure accuracy of

records.

Crescent Solutions West

Hills, CA

Mortgage Underwriter 02/09-

6/12

. Underwrote Conventional/FHA purchase and refinance loans

with signing authority up to $500,000.

. Reviewed mortgage applications, credit reports, financial

statements (including the analysis of borrower's income and

assets), debt ratios, loan-to-value, appraisals, and all

applicable compliance documents.

. Maintained excellent client relations with lenders, real

estate brokers and escrow and title companies in order to

assist in loan file processing.

. Determined customer needs and directed them to the most

appropriate funding source for their particular situation,

at all times providing excellent customer service.

. Prioritized daily responsibilities in order to meet all

deadlines.

Moss Codilis

Chatsworth, CA

Loss Mitigation Specialist 06/07-

01/09

. Analyzed assigned Real Estate accounts to ascertain and

initiate appropriate action.

. Handled phone calls which included negotiating

modifications, hardships, short sales, and deeds in lieu

and initiating foreclosure actions.

. Identified workout options based on financial packages,

credit reports, appraisals, hardship information, and

investor/client guidelines.

. Successfully completed stipulation agreements and assisted

with high volume periods which included manual collections,

customer service, records processing, etc.

. Follow up on missing documents and maintained accurate

coding for each account on computer system.

US Mortgage Capital

Valencia, CA

Loan Officer

1/06-5/07

. Analyzed applicant financial status, credit, and property

evaluation to determine feasibility of granting loan.

. Responsible for building client relationships and

developing a referral base.

. Originate mortgage loans from leads provided by the company

and assist clients in choosing the best mortgage products

to reach their financial goals.

. Worked with the in house processing, underwriting, and

funding departments to close sales leads.

Ownit Mortgage Solutions

Agoura Hills, CA

Quality Assurance Auditor 10/02-

1/06

. Responsible for obtaining mortgage loan documentation by

ordering VOE's, VOD's, VOR, etc . for a large and

consistent client basis.

. Reviewed loans for credit, assets and appraisals to verify

borrower's correct income, value, and debt ratios.

. Ordered credit reports, escrow instructions, preliminary

title reports, and appraisal reports.

. Organized all documentation submitted and verify file

completeness.

. Established personal relationship with numerous title and

escrow companies and credit service bureaus to insure

expedient loan processing.

Technical Software: Calyx Point, Choicepoint, Fraudguard,

Realquest, Doc Magic, HistoryPro, LP,DU,

Experience: MS (Word, Excel, Powerpoint)

Operating System: MS Windows 2003/XP/NT

References: Available Upon Request

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