Mortgage Underwriter Credit Risk Officer

Qualifications Profile

Goal-driven, analytical, and performance-focused professional, offering comprehensive experience in all facets of mortgage underwriting, credit evaluations, and loan processing.

Demonstrate proven ability in diverse banking and finance operations focus on funding, loss mitigation, fraud prevention, repurchase demands and budget development. Armed with over 15 years of experience in appraisal review; along with analytical and technical skills in evaluating systems and procedures, addressing problems and issues, and conducting corrective actions. Expert in mortgage loan application analysis; borrower credit report and identification documentation evaluation; and personal and business tax returns examination. Effective at leading and motivating teams toward successful accomplishment of goals and shared objectives in a stressful and fast-paced setting.

Areas of Expertise

Project Planning and Execution

Data Management and Analysis

Risk Assessment and Mitigation

Quality Control and Assurance

Regulatory Compliance

Staff Technical Training and Development

Credit Administration and Investigation

Data Interpretations

Relevant Experience

Southern Bank of Tennessee Mt. Juliet, TN

Vice President Mortgage under writer Operations Manager 2016–2017

Render supervision to diverse areas of mortgage operations, including to file setup, processing, underwriting, closing, and shipping

Gather and analyze information through statistical data to identify risk and develop informed and sensible judgment for underwriting of Conventional, Federal Housing Administration (FHA), and Veterans Affairs (VA) loans

Assess mortgage loan applications to evaluate credit, capacity, assets, collateral, and ensure compliance with loan policy, investor overlays, and agency guidelines as well as prepare and communicate loan approvals and statements of credit denial

Key Highlight:

Drove significant efforts in mentoring and training junior underwriters to meet Federal Housing Administration (FHA) Direct Endorsements (DE) as well as Veterans Affairs (VA) Staff Appraisal Review (SAR) qualifications

Regions Bank Nashville, TN

Underwriter 2016

Functioned as a selected member of corporate-level panel, in charge of streamlining VA loans procedures to enhance home purchases by veterans

Established and maintained strong collaboration with the Risk Management Team in analyzing questionable documents

Evaluated the Uniform Residential Loan Applications (URLA FNMA 1003) and borrower identification file to conform with Customer Identification Program (CIP) and FTC Red Flags rule

Analyzed both income and asset documentation to identify qualifying income; tracked changes in income stability; and determined minimum required investments and source of funds to close

Key Highlights:

Provided key inputs in quality improvement of more than 650 loans per month by flagging and escalating misrepresentations and fraudulent files

Boosted efficiency by completing underwriting training, test case functions, and VA Underwriting and Staff Appraisal Review (SAR-LAPP) training in record time

Crye-Leike Realtors Smyrna, TN

Realtor 2015–2016

Provided hands-on leadership to complex real estate sales activities, directing buyer to property suitable to their needs

Supervised buyers and sellers in purchasing by examining pricing comparisons, market conditions, and neighbourhood statistics, while advising clients according to requirements

Tracked client’s financial abilities while collaborating with concerned parties, including appraisers, escrow companies, lenders, and inspectors during negotiations

Cumberland Bank and Trust Clarksville, TN

Vice President 2004–2014

Ensured bank loan business growth by overseeing bank operations, building and strengthening strong relationships, and fostering a customer-focused culture

Hired and mentored staff and employee, which entailed facilitating onboarding, periodic evaluation, and career development; as well as supervised a team of 7 to 10 members

Kept abreast with economic trends, industry regulations, and competitive environment through participation in industry training provided by MBA and TBA, agency sponsored training offered by affiliated partners like credit providers and mortgage insurance companies

Evaluated system workflow to track process improvement and project-managed variations associated with underwriting and quality control

Maintained effective collaboration with the chief executive officer and president

Exemplified keen eye for detail in completing VA SAR requirements

Key Highlights:

Strictly complied with investor purchase guidelines which prevented held-for-sale loans and net loss; and captured only one repurchase

Improved expediency of Housing and Urban Development (HUD) FHA direct endorsement approval by processing all direct endorsement test case underwriting reviews

Drove significant efforts in accomplishing year-over-year profitability with per-loan yields surpassing 300 Basis Point and all investor pull-through ratios and loan quality standards

Made major role in achieving above-average ratings toward all compliance audits

Served as the focal point of reference in VA loan eligibility, underwriting, and post-closing guarantee

Earlier Position Held:

Preferred Mortgage, LLC/ Farmers and Merchants Bank Clarksville, TN

Mortgage Loan Broker Owner

Other Experience

United States Army Germany/ Korea/ and Fort Campbell, KY

Aircraft Maintenance Supervisor

Production Control NCO

Avionics Equipment Maintenance Supervisor

Education

Bachelor of Science in Business and Management GPA: 3.7

University of Maryland, European Division Kaiserslautern, Germany

Associate of Science in Management Studies

University of Maryland, European Division Kaiserslautern, Germany

Professional Development

VA-approved Staff Appraisal Reviewer, 2004

FHA DE Qualified Underwriter, 2005

Certified Residential Mortgage Specialist, 2002 (CRMS), National Association of Mortgage Brokers (NAMB)

Certified Mortgage Consultant, 2004 (CMC), National Association of Mortgage Brokers (NAMB)

Military Training:

Aviation Maintenance Management Course

Advanced Leadership and Management Skills Course

Leadership and Management Skills Course

Supervisory Development Course

Awards

United States Army

Commandant’s List Graduated with Honors CSM Hinsch Leadership Award Combat Veteran

Good Conduct Award (5) Professional Development Ribbons (3)

Technical Skills

FHA Mortgage Insurance (MIC) FHA Connection and VA Loan Guarantee (LGC) VA Information Portal (VIP)

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