John Snellbaker

***** *. ******** **

Aurora, Co. 80015

720-***-**** (Cell)

ad1wib@r.postjobfree.com

NMLS 340126

Experience

**/**/****-**/**/2023 -Zions Bancorp-Senior Underwriter- Job duties Underwrite and determine risk and review Conv, FHA, VA, and USDA loans, review and clear conditions, Developed training materials for FHA, USDA, VA loans.

04/01/2015 to 08/15/82019-DHI Mortgage -Underwriter- Job Duties -Underwrite and determine risk and review Conv, FHA, VA, and USDA loans. Review and clear conditions. Was also tasked with training of processors for underwriting conditions.

03/01/2010 to 03/15/2015-Pulte Home loans- Senior Underwriter-Job duties- Underwrite and determine risk, and review Conv, FHA, USDA and bond loans, clear conditions., also mentoring and training of junior personnel.

03/15/2009 -02/01/2010-AME financial – Underwriter- Job Duties-Underwrote and determine risk and review Conv, USDA, and FHA loans. Review and clear conditions. And train junior personel.

Qualifications

25+ years underwriting/ mortgage experience

FHA certified (DE), Desktop Underwriter, Loan Prospector, Fannie Mae/Freddie Mac Underwriting, Mortgage computer applications, Dodd Frank regulations, Federal and State lending laws, Experience in HMDA/RESPA. Experienced in Self Employed Income and Income Tax Evaluation, Familiar with FHA, Conventional, and ALT-A underwriting. Experienced in Broker programs. Experienced in 1st time homebuyers as well as Jumbo loan underwriting. Experienced in appraisal evaluation. Experienced in evaluating and training junior underwriters, and processors. Experienced in Prime and Sub-prime Lending. Point, Clues/Clout, Dissco applications, Hansen applications. Familiar in MI websites. Attended seminars in financial planning and retirement plans. Attended several classes in income tax evaluation. attended classes on training and classwork organization. Audit and quality control experience. Participated and evaluated on several pilot and special projects and made recommendations to senior management. Up to date on continuing education via internet, anti- money laundering, RESPA, HMDA.

Education

2/01 to 2/03-Regis University Business Management Courses.

1990-1992-University of Texas Business Management Courses (US Navy)

12/87 to 9/01/1992- US Navy (Honorable Discharge)

6/1987- Graduated Highland High School

References available upon request.

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