Michael W. Biggs
Raleigh, NC 27604
Phone: 704-***-**** Email: **********@*****.***
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