Mortgage/home equity underwriter

Brian Snider

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

Depew, New York 14043

Home Phone 716-***-****

E-Mail: *******@*****.***

OBJECTIVE

To obtain a position utilizing my business experience and education that will further enhance my career growth.

WORK HISTORY

2004-present Mortgage Underwriter –PHH Mortgage Corp,(HSBC Bank)

Full Time Position – Underwrite conventional (DU/LP), nonconforming and Home Equity applications. Complete a comprehensive review of credit, income and asset analysis to determine approval criteria. Prepare counter offers and declines based on credit profile, investor and client requirements. Review appraisals and title. Work with closers, loan processors, loan officers, and management to ensure time guidelines are met. Review Fraud Guard report and address any issue to protect company and client interest.

1992-2004 Underwriter- Consumer Products, Fleet National Bank

Full Time Position - Approval or denial of real estate applications with credit over lending authority or skill level to team leader for review. Prepare counter offers of credit based on debt to income, loan to value, credit score, liens or public records. Verification of income through federal income tax forms and schedules, pay stubs and W-2 forms. Perform liquidity analysis and review financial statements when necessary. Review credit reports for fraud concerns and address accordingly.

1990-1992 Adjustor-Retail Auto Finance Department, Marine Midland Bank (HSBC)

Full Time position - Major functions included contact with customers whose accounts are delinquent and adjust or collect past due amounts. Responsibilities include consulting with customers in an attempt to determine reason for account delinquency and then take appropriate action. Other major duties include loan extensions, working with repossession agents, charge offs and working with customer service.

1988-1990 Sales Manager, Rent-A-Center, Inc.

Full Time Position - Major functions included setting up sales floor with marketing plan for each month, assisting customers with rental needs, scheduling, delivery, set-up and service calls, maintaining showroom and developing profit and loss statements. Taking control of store operations when manager is not present.

1985-1988 Store Manager, Kay-Bee Toy & Hobby Shops

Full Time Position – Job duties included total responsibility of all store operations. Major areas of work involved training of store personnel, sales, customer relations, merchandising, payroll budgeting, hiring, and inventory.

EDUCATION/TRAINING

B.S. in Business Studies, Buffalo State College

A.A.S. in Business Administration, Erie Community College

High School, Depew, New York

Corporate Courses -Diversity Learning Map 2002 -Developing Gold Star Sales/Service 2001

PROFESSIONAL RECONGNITION

“Employee of the Month Award” 1999/2001/2002

“Staff Incentive/Bonus/Rewards Program” 1998-2016

SYSTEMS KNOWLEDGE LOANQUEST, CASH, IDESK, MCD WORD/EXCEL/OUTLOOK/LOTUS NOTES

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