Eric J. Stuss

***** ***** ** • Livonia, MI ***** • 248-***-**** • ad0rgs@r.postjobfree.com

Seeking a position where I can utilize my theoretical knowledge of financial principles and strategies along with my skills to be a valuable team player in the success of your organization EDUCATION AND TRAINING

MASTERS OF BUSINESS ADMINISTRATION 2016

WALSH COLLEGE OF ACCOUNTANCY AND BUSINESS Novi, MI Specialization/Concentration: Finance

BACHELOR OF SCIENCE IN FINANCE 2011

OAKLAND UNIVERSITY Rochester, MI

ASSOCIATIONS AND LEADERSHIP

• Member of Oakland University Financial Management Association

• Captain of Oakland University Men’s Lacrosse Team TECHNICAL SKILLS

• Fluent in both Mac and PC platforms

• Microsoft Office Suite

• Ability and capacity to work from home

• Fannie Mae & Freddie Mac Selling Guides

• Fluent in Fannie Mae Collateral Underwriter tool PROFESSIONAL EXPERIENCE

PRESIDENT’S CLUB COLLATERAL UNDERWRITER June 2021 to Present ROCKET MORTGAGE (formerly QUICKEN LOANS) Detroit, MI

• Analyze specific documents pertaining to loan files for potential risk and ensure loans comply with various investor and regulatory guidelines

• Work with high risk, FHA, and Conventional loans

• Submit mortgage files and borrower information through an automated underwriting system (AUS) to acquire details about items that pose risk or compliance conflicts

• Review AUS findings and determine actionable next steps to resolve any conflicts

• Break down and communicate next steps for clients who have varying levels of experience with the mortgage process

• Identify date gaps and request required documents to meet investor and/or regulatory guidelines

• Monitor existing policies and guidelines to ensure loans comply with any policy or guideline changes

• Answer underwriting questions from business partners to assist with moving loans quickly and accurately through the process

• Determine and set repairs or inspections on homes that may not meet Fannie Mae or Freddie Mac guidelines.

• Use Fannie Mae’s Collateral Underwriter tool

SENIOR CREDIT UNDERWRITER - PURCHASE & REFI August 2020 to June 2021 QUICKEN LOANS Detroit, MI

• Analyze client financial documents including income, property, assets, and credit documents to calculate risk

• Rely heavily on my analytical thinking skills, attention to detail, financial acumen and ethics during the credit evaluation process.

• Demonstrate knowledge of accounting theories, credit principles, lending functions, loan research and general credit policies.

• Excellent organizational skills and meticulous work habits allows for me to accurately evaluate many financial variables and reach appropriate conclusions. ASSOCIATE UNDERWRITER - REFI January 2020 to August 2020 QUICKEN LOANS Detroit, MI

• Work of low risk loans while learning guidelines and mastering the underwriting process.

• Analyze client financial documents including income, property, assets, and credit documents to calculate risk

• Rely heavily on my analytical thinking skills, attention to detail, financial acumen and ethics during the credit evaluation process.

PRESIDENT’S CLUB CONDO PROJECT UNDERWRITER October 2018 to December 2019 QUICKEN LOANS Detroit, MI

• Extensive knowledge of the mortgagee process from initial setup to folder received

• Use mortgage industry guidelines, GURU or Fannie Mae Selling Guide, to analyze and evaluate if a loan meets mortgage industry requirements

• Comprehensive knowledge of the new condo project requirements and process

• Ability to measure a client’s personal finance by choosing the right mathematical methods to calculate problems like debt to income (DTI) or income

• Ability to apply underwriting guidelines to specific loan folder, or combine pieces of information to provide answers to client’s or third party vendors

• Effectively communicating a message clear, concise, and correct to internal and external clients. EXECUTIVE VENDOR ANALYST – CONDO TEAM May 2017 to October 2018 QUICKEN LOANS Detroit, MI

• Create and maintain relationships with vendors for on-time delivery of documents needed to close a loan

• Work collaboratively with other teams under Quicken Loans operations and Mortgage Banking

• Obtain and process condo documents required according to GURU guidelines

• Research property location information to confirm accuracy EXECUTIVE VENDOR ANALYST – GROUND CONTROL October 2015 to May 2017 QUICKEN LOANS Detroit, MI

• Work with high priority loans and high-profile clients

• Analyze client financial documents including income statements and credit reports to calculate risk

• Provide meticulous attention to detail and evaluate the financial strength of borrowers

• Study insurance documents to confirm that they comply with lending, underwriting and government requirements

VENDOR ANALYST September 2013 to October 2015

QUICKEN LOANS Detroit, MI

• Responsible for ordering, following up and processing homeowner’s insurance verification needed to close loans by contacting insurance agents and companies.

• Orchestrate the delivery of 3rd party vendor items such as insurance, payoffs and verification of employment.

• Mediator between the banks and clients who wish to re-finance and lower their mortgage payments by gathering and ensuring that each client meet the bank requirements. CREDIT ANALYST July 2013 to September 2013

QUICKEN LOANS Detroit, MI

• Reviewing loan documentation upon receipt by utilizing resources such as state websites, county tax assessment records, LexisNexis Accurint, etc. to find information needed to clear conditions on loans

• Ordering and reviewing third party vendor documents (Credit Supplements, MERs, FACTA, etc.)

• Working with underwriting leaders on difficult loan decisions by answering underwriting questions from processors and loan officers

• Complying with all local and federal fair lending laws and net benefit requirements

• Submitting mortgage applications and borrower information thru an AUS and reviewing their findings to ensure accuracy

FINANCIAL REPRESENTATIVE August 2012 to May 2013

WESTERN & SOUTHERN LIFE Clinton Township, MI

• Meet with middle-income clients to evaluate their risk protection and financial security,

• Sold financial services and products including life insurance plans through prospecting, relationship building, and in individual or group sales.

• Assisted in preparing presentation proposals for small business clients. RETAIL SERVICES MERCHANDISER April 2010 to December 2012 ACOSTA SALES & MARKETING Grand Rapids, MI

• Implement the day-to-day operations of Retail Service Merchandiser at a major retailer in the Detroit Market

• Organize and maintain retail store diagrams to include setup of product placement and executing shelf tag retails

• Monitoring everyday retail pricing against headquarters published price points along with setting up a markdown policy for discontinued items

• Attend bimonthly meetings to secure details of new items, upcoming timing of shelf sets, and objectives established by specific manufacturers

OTHER EXPERIENCE

ASSISTANT VARSITY LACROSSE COACH/DEFENSIVE COORDINATOR Spring 2015 to 2017 NOTRE DAME PREPARATORY Pontiac, MI

ASSISTANT JUNIOR VARSITY LACROSSE COACH Spring 2014 ROCHESTER ADAMS HIGH SCHOOL Rochester, MI

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