Samuel Wayne Alston

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

Charlotte, NC 28213

704-***-****

CAREER SUMMARY

Experienced professional with solid work experience in the mortgage banking and consumer finance industry, including five years as a Branch Manager, and over 15 years as a Senior Mortgage Processor and Underwriter. Served 6 years as a United States Army Officer before being honorably discharged. Proven history of advancement and increased job responsibility based on performance.

PROFESSIONAL EXPERIENCE

Indecomm Global, Charlotte, NC 2016 - 2018

Mortgage Underwriter, Homeward Bank / Sr. Processor Ditech Mortgage

Decisioned mortgage loans following company and regulatory guidelines

Reviewing credit reports and interpreting the data

Calculated income using 1084 income analysis worksheets and W2 wage earner worksheets

Familiar with FNMA and FHLMC underwriting guidelines

Experience in reviewing titles, appraisals to ensure title free of encumbrances

Reviewed supporting documentation for truthfulness and accuracy

Gathered required documents to satisfy underwrite/investor requirements

Ordered and reviewed title, appraisals and credit reports

Wells Fargo, Charlotte, NC 2012 - 2016

Mortgage Underwriting, Consumer Loan Underwriter III

Decisioned mortgage loans following company and regulatory guidelines

Evaluated and ensured overall loan transactions were accurate, complete, and compliant

Applied knowledge of standard underwriting procedures, creditor financial analysis techniques

Reviewing credit reports and interpreting the data

Calculated applicable ratios to determine affordability, credit utilization, asset coverage, etc.

Calculated income using 1084 income analysis worksheets and w2 wage earner worksheets

Reviewed supporting documentation for truthfulness and accuracy

Contacted customers and partners to gather information to make appropriate decisions

Assisted in providing work direction and/or training to team of processors and loan officers

Familiar with HARP, FNMA and FHLMC underwriting guidelines and investor overlays

Experience in reviewing titles, appraisals to ensure title free of encumbrances

Earned Mortgage Lending Authority 03/2013

Bank of America, Charlotte, NC 2009 - 2012

Relationship Manager II

Efficiently handled complaints and provided conflict resolution for the Office of the President and CEO.

Acted as single point of contact for borrowers experiencing financial distress.

Efficiently managed portfolio of imminent default and defaulted loans with a focus in Loan Modifications to include Conventional, FHA/VA and MHA products.

Utilized appropriate options for borrowers such as Collections, Repayment plans, Special Forbearance, Modifications, Short Sale, and/or Foreclosure.

Ensured compliance with federal laws and company guidelines in order to minimize loan losses and legal concerns.

Cited by management for delivering Bank of America G.U.E.S.T. standards July 2012, August 2012 and September 2012

Wachovia Bank, N.A. Charlotte, NC 2007 – 2008

Consumer Loan Underwriter

Reviewed and provided decisions on consumer purpose real estate credit applications within assigned lending authority

Recommended decisions and obtained concurrence for loans outside of authority levels

Analyzed financial and other information to support the structuring and approval of loans

Documented justification for decisions and recommended warranted exceptions

Ensured compliance with appropriate internal risk, process and compliance standards

Equifirst Corporation, Charlotte, NC 2004 – 2007

Mortgage Underwriter

Performed proper due diligence while reviewing borrower’s income, credit, and equity to ensure company guidelines, policies, and standards

Developed and maintained a close working relationship with mortgage brokers and account executives to manage their pipelines and achieving monthly goals

Made decisions on exceptions to underwriting policies within authority

Increased lending authority from $150,000 to $350,000

Consistently ensured compliance with company, regulatory and applicable secondary marketing investor standards

EDUCATION

Bachelor of Science, Marketing, South Carolina State University, Orangeburg SC

MILITARY

US Army Reserve Officer, 81st Army Reserve Command, Public Affairs Officer, Honorable Discharge 1996

VOLUNTEER ACTIVITIES

Habitat for Humanity, Charlotte Mecklenburg School System Volunteer

SOFTWARE SKILLS

Encompass, LIS, Word, Outlook

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