Customer Service High School

WILLIAM S BYNUM

**** ******* **** ( MARIETTA, GA 30062 ( 321-***-**** (

************@*****.***

Highly organized and detail-focused Mortgage Loan Professional with an

exceptional track record of accurately handling mortgage underwriting

and processing in deadline-oriented environments

Skilled in all aspects of FHA, VA, Proven ability to handle multiple

USDA, MHA, DU & LP, Forensic tasks in a fast paced environment

Underwriting ensuring accuracy and Experience at detecting fraud to

completeness of data in a paperless protect lender from adverse risk from

environment investors

Proficiency in managing documentation

provided by Loan Officer and borrower Excellent computer skills; proficient

matches' loan application with Encompass, Caylx Point, Microsoft

Extensive knowledge with RESPA, Fair Office, and able to learn proprietary

Lending, and Patriot ACT systems/applications quickly and

easily

Professional Experience

Bank of America Home Loans - Atlanta, GA

September 2010- February 2011

Home Service Specialist III (Contractor through DISYS STAFFING)

Review and validate all loan data received on loan files that receive an

Approval thru CLUES system along with credit signing authority. Verifying

income and asset documentation using wage earner calculator, order

documentation required to complete verification of application information,

including credit report updates, appraisal, verifications and loan program

disclosures not obtained at time of application. Complete input of system

data throughout the loan process to ensure system consistently and

accurately maintain up to date information. After loan approval, issue

commitment letter to borrower and complete data screens for preparation of

loan closing package.

Key Results:

. Responsibility for reviewing any misrepresentation on credit file,

employment, income, collateral and occupancy.

. Analyzed manual and automated underwriting approvals and supporting

documents including mortgage applications (1003), credit documents,

credit history, income and asset documents, title documents, HUD-1,

and appraisals to decide whether supporting documents are adequate in

meeting the required qualification criteria; ensuring no fraud was

present in the loan file. Identified lender, underwriter/originator

red flags indicating potential misrepresentations due to error or

fraud

. Responsible for approving loans base on agency and conforming loans

guidelines

. Complete Credit signing authority to signed of MHA Loans.

. Preparing closing instructions and reviewing the HUD for closing

Premier Financial - Orlando Fl

Senior Mortgage Loan Services Underwriter, 08/2005 -12/2009

Underwritten loans submitted by processor or the automated decision system;

had credit signing authority for level 1. Responsible for clearing

conditions and issuing changes to the terms on previously approved loans.

Responsible for verifying conditions which included, customer income/assets

documentation, resolves routine title issues including, vesting issues,

child support liens, judgment liens, mechanic liens and undisclosed liens

reconveyances; processed subordinations; resolved appraisal disputes;

coordinated closing activities. Maintained a high level of customer service

by being proactive in communication with customers, banking center

associates and realtors.

Key Results:

. Underwritten and Managed all FHA, VA and Conventional loans according

warehouse line of credit guidelines.

. Verified borrowers data via third party verifications ( Lexis Nexis,

Fraud Detector, Avantus Loan Shield.

. Responsible for analyzing credit reports and order supplements and all

verifications.

. Maintained excellent Customer Service ethics.

. Utilized underwriting authority and was able to manually underwrite

using investor risk base analysis

Gateway Mortgage Orlando, FL

Senior Loan Processor Manager, 08/2003 -07/2005

Responsible for reviewing financial statements, applicable ratios, credit

reports, examining and evaluating transitions to certain accuracy, fraud

detection techniques, report preparation, re-negotiation of loans,

compliance review administration before giving the file to the underwriter,

providing performance feedback, communicating with customers

Key Results:

. Consecutively processed 35- 40 loans per month.

. Keyed in loan documentation, analyzed credit reports to ensure file is in

compliance with lender guidelines, and utilized automation software. (DU,

LP, etc).

. Processed 4 daily bank reconciliations and 22 month end closing reports.

. Served as liaison between broker and an applicant concerning loan status

along any documentation needed for underwriting approval

Consistently maintained accuracy in calculating lender fees and balancing

Good Faith Estimates

First United Mortgage - Orlando, FL

Senior Loan Officer 06/2000 - 05/2003

Consulted / advised clients who was seeking Residential and or Commercial

financing. Evaluated applications and credit history to determined risk

for investor in attempt to pre-approved /pre-qualify borrower(s).

Demonstrated strong communication, interpersonal, and presentation skills

with proven leadership abilities. Adhered strictly to compliance and

operational risk controls in accordance with company policy, regulatory

standards, policies and practices

Key Results:

. Top producer for consistently closing 3-5 million in revenue sales

per month exceeding assigned quota of 1million.

. Promoted to team leader of (10) 8 originators and 2 processors for

displaying leadership and the ability to hunt and target new business

while efficiently managing pipeline of 20 or more loans

. Provide guidance, training, education and motivation to assigned team

of Originators to achieve planned sales goals through relationship

building

. Counsel customers on various types of mortgage financing, choosing a

program best suited to their needs: completed mortgage application,

followed through to closing and resolve any problems, while ensuring

salability and compliance guidelines

Education

KINSTON HIGH School - Kinston, NC

High School Graduate, 1991

Unc Charlotte- Charlotte NC

Computer Science Major, 1991-1994

Kambucks Mortgage and Loan Processor Class

Orlando Fl

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