JAMES NEWMAN

**** **** ***

Vero Beach, FL ****0

816-***-****

ac1c20@r.postjobfree.com

Objective

To play an effective role in an office environment in the capacity of high volume mortgage underwriting; to be a member of a team and further grow as an individual. .

Peoples Bank, Overland Park KS 66213

DE / LAPP Senior Underwriter - Aug 2015 – Current

Underwrite Conventional, FHA and VA loans in accordance with investor overlays / guidelines while ensuring sufficient quality control. Responsible for evaluating and ensuring overall loan documentation are accurate, complete and compliant; functions include, analyze complex income, credit reports, assets, appraisal, sales contracts, third party fraud detection reports while making appropriate sound credit decisions; work in collaboration with origination, processing, management, closing and post- closing departments thru entire mortgage process – Active DE Chums and VA LAPP SAR

Mortgage Lenders of America, Overland Park KS 66211

DE/LAPP Mortgage Underwriter II – Nov 2014 to Aug 2015

Underwrite Conventional, FHA and VA loans in accordance with investor overlays / guidelines while ensuring sufficient quality control. Responsible for evaluating and ensuring overall loan documentation are accurate, complete and compliant; functions include, analyze complex income, credit reports, assets, appraisal, sales contracts, third party fraud detection reports while making appropriate sound credit decisions; work in collaboration with origination, processing, management, closing and post- closing departments thru entire mortgage process - Top producer - receive many awards of recognition for accuracy, compliant and underwriting production from upper management

National Bank of Kansas City, Overland Park KS 66211

DE/LAPP Mortgage Underwriter – Nov 2012 – Nov 2014

Underwrite Conventional, FHA and VA loans in accordance with investor overlays / guidelines while ensuring sufficient quality control. Responsible for evaluating and ensuring overall loan documentation are accurate, complete and compliant; functions include, analyze complex income, credit reports, assets, appraisal, sales contracts, third party fraud detection reports while making appropriate sound credit decisions; work in collaboration with origination, processing, management, closing and post- closing departments thru entire mortgage process in high volume paperless environment.

BNC National Bank, Overland Park KS 66211

Senior Processor / Team Lead – January 2012 – Nov 2012

Responsible for providing support and leadership by mentoring and guiding a team of loan processors in achieving loan production and performance; Assist all new hires with on-the-job training of loan production; Responsible to support management decisions and implement change at the compliance level. Responsible for handling and resolving the most complex loan requests and issues. Mentor processing staff, provide coaching and feedback to aid in the development of new skills and refinement of existing skills while keeping management informed of progress. Serves as a project resource and subject matter expert in process or system enhancements. Prepare daily pipeline reports and provide monthly projections to management; In the manager's absence assumes manager's primary business duties for the daily operation of the processing staff.

FORCHT BANK, Louisville, KY

Mortgage Specialist - April 2010 – Oct 2011

In charge of the entire Louisville market for Forcht Bank’s retail mortgage lending; Processed and originated conventional, FHA,VA, USDA Rural Housing for secondary market guidelines; pre-qualified borrowers; analyzed and gathered all financial assets; Submit loan through automated underwriting program; advised and suggest best programs to meet customer needs; sent out all RESPA compliance documents to borrowers; work directly with underwriter to clear any outstanding conditions needed for clear to close; Prepared final fee sheet; Prepared and Emailed closing instruction to title company; Review initial preliminary HUD settlement statement with all parties for approval; attend weekly networking meetings to develop new referral business with builders and realtors; maintain daily pipeline and projection reports; Cross sell all bank products and work with business relationship officers

OLD COLONIAL MORTGAGE, Louisville, KY

Loan Officer - July 2008 -April 2010

Processed and Originated Conventional, FHA,VA, USDA Rural Housing for secondary market guidelines; pre-qualified borrowers; analyzed and gathered all financial assets; Submit loan through automated underwriting program; advised and suggest best programs to meet customer needs; sent out all RESPA compliance documents to borrowers; work directly with underwriter to clear any outstanding conditions needed for clear to close; Prepared final fee sheet; Prepared and Emailed closing instruction to title company; Review initial preliminary HUD settlement statement with all parties for approval; attend weekly networking meetings to develop new referral business with builders and realtors; maintain daily pipeline and projection reports; Cross sell all bank products and work with business relationship officers; Processed and Funded over 15 million annually

Global Mortgage Corp LLC, Louisville, KY

Senior Mortgage Processor – February 2004 - June 2008

Processed conventional and government loans for wholesale mortgage broker top producers; Verified initial RESPA disclosures have met state regulatory compliance; Re-verified income and assets; updated initial loan application; Submit initial loan application through DU or LP and complied with secondary market findings and guidelines; Follow up with borrower for any missing documentation needed for initial approval; order appraisal and title with third party vendors; Prepare loan package and submit loan to lender underwriter for final loan approval; Prepare and issue loan commitment letter to borrower; Follow up with borrower and loan officer to clear any conditions set forth by lender underwriter; Maintain daily conversation log and pipeline report with borrower, loan officer, realtors and management regarding status updates; Prepared all parties for closing; Prepared final fee sheet; Emailed closing instruction to title company; Review initial preliminary HUD settlement statement with all parties for approval; Wired funds and closing documentation to closing agent; Follow up with closing agent regarding receipt of closing package to ensure all documents were signed and any conditions were met; In charge of first time home buyer seminars; Held Quarterly training meetings with loan officers regarding any RESPA or investor changes; Maintain pipeline of 85 loans and closed average of 40 loans per month.

STOCKTON TURNER & LOPEZ GROUP, Royal Palm Beach FL

Loss Mitigation Specialist - January 2000 - May 2008

Handled all inbound and outbound collection calls; Individual queue of 30 and 60-day delinquent accounts. Spoke to customers regarding various workout options, including deed in lieu, shorts sale, cash for keys, modification, and special forbearance. Reviewed all paperwork related to workout (pay stubs, hardship letter, etc.) and input into company's system of record. Proceed to submit all files to Underwriter and legal department. Responsible for communicating regularly with mortgagors, real-estate agents, and title companies involved in the workout process. Responsible for obtaining all necessary documentation and paperwork from mortgagors, homeowners, and real estate agents. Coordinated workouts with the appropriate internal departments. Review files as part of skip tracing tools and perform skip trace of accounts. Analyzed accounts to determine DTI (debt to income) ratio. Assisted teammates with escalated calls.

NATIONAL FUTURE MORTGAGE Cherry Hill, NJ

Forensic / Quality Control Underwriter -March 1995 -December 1999

Responsible for reviewing loans for compliance within company and investor guidelines; Ensure consistency in application of all underwriting policy; Prepare and analyze variety of quality control reports and analytics; Perform forensic underwriting review of closed mortgage loan files for compliance with applicable State and federal laws and adherence to specific lender guidelines with an emphasis on buy-back/put-back possibilities. This review includes identifying potential fraud and/or misrepresentation on the part of all interested parties to the transaction

Certifications:

Understanding Ethics, Laws, and Regulations in Mortgage Lending

KRS 286.8 and High Cost Loans

Certified Direct Endorse Underwriting

Certified Fannie Mae Desktop & Loan Prospector Underwriting

Certified MGIC Self Employed Course

Certified SAR / LAPP / VA

Certified Fair Debt Collection Practice

Mortgage Software:

Encompass, Point, Integra, Genesis, DATA TRAC, and AUS systems - DO/DU/LP

Proficient in: Microsoft Word, Access, Excel, Front Page, Publisher, Power Point, Outlook, and Windows XP.

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