Sales Quality

James Landon McCarty

*** ****** **** *****, *******, GA 30102~ 602-***-****~ **************@*****.***

ACCOMPLISHMENTS

Well-qualified Banking Consultant seeking a position in a sufficiently established organization with a stable

environment that will lead to an indefinite relationship within the Banking industry.

Extensive Underwriting Comprehension Account Management Excellence

Knowledge of both Underwriting systems

Risk Assessment

and manual underwriting, DU/LP

Proficient in self-employed income analysis

High level Knowledge of Government lending

and corporate tax returns

Thorough knowledge of complex personal

and business financial analysis including PC Navigation Proficiency Skills

FNMA 1084 Thorough knowledge of complex personal

and business financial analysis

National Mortgage Licensing System and

Registry 625074 Cash-Flow Analysis

PROFESSIONAL EXPERIENCE

Mortgage Underwriter- Bank of America- 2018 Powers Ferry Rd. SE, Atlanta, GA 30339

June 2013-Current

Analyze risk in the following areas: Credit worthiness which include character, collateral, capacity, capital

and conditions along with income, employment and overall transaction

Accountable for making prudent decisions that are acceptable credit risks, adhering to procedural guidelines

and complying with applicable laws and regulations

Work hand in hand with each department within the bank to ensure the greatest customer satisfaction while

adhering to the bank’s regulations

Issue credit decisions with the proven ability to issue these decisions manually

Collaborates within all areas of risk to ensure comprehensive resolutions to complex risk management

matters

Mortgage MB Underwriter-JPMorgan Chase Bank- 100 W. University Dr. Tempe, AZ 85281

February 2012-June 2013

Provide the analysis of submitted files based on clients credit report, income, assets, appraisal and title

Ensure that loan requests meet program and product specifications or counter-offer to different product

and/or program when appropriate.

Communicate decisions (approval, suspense, denial) to appropriate individuals within the bank

Uphold fair lending practices as required of JP Morgan Chase Bank & government/investor guidelines

Meet targets for productivity, quality, and customer satisfaction

Perform second review of contract underwritten denials

Demonstrate expertise in Government, Agency, HARP and Jumbo guidelines; Experience with DU/LP

Mortgage Loan Processor- JPMorgan Chase Bank- 100 W. University Dr. Tempe, AZ 85281

March 2011-February 2012

Ensure loan submittals meet internal and external guidelines and eligibility requirements

Provide meticulous attention to detail to ensure loan quality before underwriting proceeds

Demonstrate excellent follow-up with clients, loan officers and underwriters

Leverage knowledge of loan products to help re-structure turned down loans for subsequent approvals

Assist teammates with processing and quality review

Knowledgeable of various home lending products; originated FNMA, FHLMC, FHA

Mortgage Consultant- JPMorgan Chase Bank- 1820 E. Sky Harbor CIR S, 85034 Phoenix, AZ

December 2009- March 2011

Met required sales performance for pre-established loan volume goal for total funded loans

Assisted with the processing of conventional residential loan applications

Knowledgeable of various home lending products; originated FNMA, FHLMC, as well as FHA loans

Achieved superior customer satisfaction through presentation of various loan programs and patience

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