DWAINE BAKER

A seasoned Senior Mortgage Underwriter who is a highly skilled leader

with comprehensive knowledge of underwriting diverse types of loan products. An innovative and confident analytical person with a reputation for achieving established objectives

CONTACT

6955 Poppy Hills Lane #1633

Charlotte, NC 28226

704-***-****

WEBSITE:

www.linkedin.com/in/dwainebaker

EMAIL:

ad07b0@r.postjobfree.com

SKILLS

Appraisal Examination

Risk Management

Conventional and

Government Underwriting

Credit and Income Analysis

Underwriting to manual

guidelines

Jumbo and Non QM

Excellent attention to detail

Time Management

Proficient in working on

various LOS systems including

PCLender, Encompass, and

Octane

Problem-solving

EDUCATION

WV State College

Coursework pursuing a degree in Business Administration Professional Development

American Institute of Banking – Courses in Appraisal review, scrutinizing complex tax returns and general Mortgage Underwriting courses WORK EXPERIENCE

LAKEVIEW LOAN SERVICING

Underwriter

02-2021 to 11-2022

Conducted detailed risk analysis of 2-3 files daily, Managed an assigned pipeline by decision initial submissions within 24 hours and resubmissions within 48 hours, Maintained healthy relationships with all business partners, and Underwrote more complex loan files. CARDINAL FINANCIAL CORPORATION

Underwriter III

01-2020 to 02-2021

Continually decision 2-4 files daily. Inspected all financial documentation and the appraisal to justify a decision. Met all quality metrics as communicated by management. Exhibited superior decision-making skills that were supported by documentation and research.

ROUNDPOINT MORTGAGE COMPANY

Senior Underwriter

01-2019 to 02-2020

Ensure loan decisions met internal and external eligibility requirements Performed appraisal review, Alt-A, Single Family, Condo, Townhouse, and multiple-unit income-producing properties. Scrutinized credit reports, asset statements, income documentation (including complex tax returns), appraisal, and trust agreements to complete 2-4 files per day.

LEGACY MUTUAL MORTGAGE COMPANY

Senior Underwriter

04-2018 to 09-2018

Underwrote special program loan as determined by lending authority as set by management within the authority of $2.5M Collaborated with team members to identify potential solutions for initially denied files.

MOVEMENT MORTGAGE GROUP

Senior Underwriter

06-2015 to 11-2017

Underwrote Conventional and FHA with AUS approval and Jumbo loan products. Exercised prudent judgment in loan decision-making and in recommending exceptions to Loan Committee Management. Upheld quality and production standards as established by management and investors.

PACIFIC UNION FINANCIAL MORTGAGE CORPORATION

Senior Underwriter

11-2014 to 06-2015

Review multiple files daily to reach production goals while maintaining excellent loan quality.

Leveraged knowledge of loan products to help restructure declined loans for subsequent approval.

Maintained quality control while maintaining standards by company definition.

SUNTRUST BANK, N.A.

Senior Underwriter

10-2010 to 11-2014

Underwrote daily average of 4-5 loans representing diverse loan programs.

Selected by management to be one of three Senior Underwriters for a pilot program to mentor Junior Underwriters/Senior Processors. ZENTA MORTGAGE SERVICES

Senior Underwriter

01-2008 to 09-2010

Underwrote an average of 5 Conventional initial loan submissions and resubmissions

Subject Matter Expert assigned to less experienced Underwriters to coach, train, mentor, and motivate Junior Underwriters. Top 15% of Underwriters companywide for maintaining high quality and less than 1% error rate.

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