Curtis Emmanuel Howell Sr.

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

Florissant, Mo. 63033

Phone# 314-***-****

ac7e77@r.postjobfree.com

Summary:

Seeking a career oriented position with a growth oriented company where I can utilize my experience and educational expertise within the Mortgage/ Credit Analysis Division:

Major accomplishment:

Over Fifteen years of successful experience in the mortgage industry.

Proficient with both LP and DU and Encompass

Extensive skills in Recruiting and staffing and developing of job positions for company’s growth

Five plus years of Human Resource Training and Development skills

MBA degree with minor in leadership management and economics

MA degree in Human Resource Training and development

FHA DE certified and VA Lapp Approved/Fannie and Freddie/USDA certified/reverse mortgage certified/auditing

Employment History:

June 2017 to present First Bank

Sr. Underwriter: Underwriting of consumer home loans, 9% Fannie/Freddie,, 10% USDA and 30% FHA and 40% VA loans. Performed risk analysis and validating LP/DU findings manual underwrites and portfolio loan. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans.

January 2017 to June 2017 New American Funding

Sr. Underwriter: Underwriting of consumer home loans, 9% Fannie/Freddie,, 10% USDA and 30% FHA and 40% VA loans. Performed risk analysis and validating LP/DU findings. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans.

April 2010 to January 2017 USA Mortgage Corp AKA DAS Acquisition Corp

Sr. Underwriter: Underwriting of consumer home loans, 9% Fannie/Freddie,, 10% USDA and 30% FHA and 40% VA loans. Performed risk analysis and validating LP/DU findings. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans.

May 2007 to February 2010 US Bank

Sr. Underwriter: Underwriting of consumer home loans, 20% Fannie/Freddie, 10% USDA and 30% FHA and 40% VA loans. Performed risk analysis and validating LP/DU findings. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans.

September 2004 to May 2007 Lehman Brothers

Sr. Underwriter: Underwriting of consumer home loans/ sub-prime loans. Training and mentoring processors on credit policies and procedures. Analyzing of financial statements and consumer credit reports. Over 5 hundred thousand in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud

April 2000 to September 2004 AME Wholesale Mortgage Corp

Underwriting Manager: Managing of credit underwriters. : Underwriting of consumer home loans, 20% Fannie/Freddie, 10% USDA and 30% FHA and 40% VA loans. Performed risk analysis and validating LP/DU findings. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans. Manage a crew of six Underwriters

January 1998 to April 2000 Wells Fargo Home Mortgage

Sr. Mortgage Underwriter: Underwriting of consumer home loans, Fannie/Freddie, Reverse Mortgages, 10% USDA and 30% FHA and 40% VA loans. Performed risk analysis and validating LP/DU findings. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans.

August 1996 to January 1998 Unisource/Georgia Pacific Corp

Credit Administrator: Managing accounts receivable / collectors. Managing accounts portfolio totaling up to ten million dollars monthly. Training of collectors on credit policies and collection procedures.

September 1994 to August 1996 Countrywide Home loans

Operations Manager: Managed day to day operation of mortgage banking operations and support staff. : Underwriting of consumer home loans, Fannie/Freddie and FHA/VA. Performed risk analysis and validating LP/DU findings. Analyzing of financial data and consumer credit reports. Over 1 million dollar in signing authority. Performed compliance and Fraud check reviewing, evaluating, and synthesizing data to identify risk issues and fraud. Maintain a sound knowledge of Fannie Mae/Freddie Mac guidelines and risk assessment tools used to decision mortgage loans.

April 1991 to September 1994 Nations bank / Boatmans Bank

Processing Manager: Managing of consumer loan processing center. Trained and managed processors on credit policies and processing procedures.

Education:

2008 Webster University

MA. Human Resource Training and development

2007 Webster University

MBA Financing / Business Management / Leadership

2006 National – Louis University

BS Business Management/Leadership

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