Timothy Greene

Sr. Mortgage Loan Underwriter

Clymer, PA 15728 ad273v@r.postjobfree.com

724-***-****

Work Experience

VA Underwriter

Guaranteed Rate

March 2020 to Present

Works remotely underwriting VA Retail Mortgages according to stated and written guidelines. Fills in with FHA and Conventional as needed. Currently approved for Bond/DPA programs in Delaware, Florida, Ohio, Maryland, North Carolina and New Jersey. Utilizes automated decision networks such as DO, DU, LP & GUS. All loans are entered and approved via the Encompass Mortgage Software (over 8 years’ experience). Recommend Approvals within 24 hours and clear Conditions within 48 hours. Recommend alternative credit solutions as needed. Works closely with Sales and Operations personnel.

Underwriter

American Financial Resources, Inc.

Parsippany, NJ

July 2019 to March 2020

Works remotely underwriting Conventional, FHA, VA, USDA Retail Mortgages according to stated and written guidelines. Utilizes automated decision networks such as DO, DU, LP & GUS. All loans are entered and approved via the Encompass Mortgage Software (over 8 years’ experience). Recommend Approvals within 24 hours and clear Conditions within 48 hours. Recommend alternative credit solutions as needed. Works closely with Sales and Operations personnel. Underwriter

Equity Resources, Inc

Newark, OH

November 2017 to July 2019

Worked remotely underwriting Conventional, FHA, VA, USDA Retail Mortgages according to stated and written guidelines. Utilizes automated decision networks such as DO, DU, LP & GUS. All loans are entered and approved via the Encompass Mortgage Software (over 7 years’ experience). Recommend Approvals within 24 hours and clear Conditions within 48 hours. Recommend alternative credit solutions as needed. Works closely with Sales and Operations personnel. Remote Sr Mortgage Loan Underwriter/Team Lead

SunTrust - Richmond, VA

January 2009 to October 2013

Underwrote Conventional, FHA & VA mortgages according to stated and written guidelines. Utilize automated

decision networks to assist in the final loan decision. Recommend alternative credit solutions based on the parameters presented to obtain final loan approval. Work remotely through a paperless process. All loans were assigned, underwritten and approved through wireless networks. High stress management accompanied with excellent customer service skills. Sr Underwriter

Cross Country Mortgage

Brecksville, OH

May 2015 to November 2017

Underwrote Conventional, FHA, VA, USDA Retail Mortgages according to stated and written guidelines. Utilizes automated decision networks such as DO, DU, LP & GUS. All loans are entered and approved via the Encompass Mortgage Software (over 6 years’ experience). Recommend Approvals within 24 hours and clear Conditions within 48 hours. Recommend alternative credit solutions as needed. Works closely with Sales and Operations personnel.

Sr Underwriter

Integrity Home Mortgage

Winchester, VA

December 2014 to May 2015

Underwrote Conventional, FHA, VA, USDA Retail Mortgages according to stated and written guidelines. Utilized automated decision networks such as DO, DU, LP & GUS. All loans are entered and approved via the Encompass Mortgage Software (over 5 years’ experience). Recommended Approvals within 24 hours and clear Conditions within 48 hours. Recommend alternative credit solutions as needed. Sr Underwriter

SIB Mortgage

Gaithersburg, MD

August 2007 to January 2009

Underwrote Conventional, FHA & VA Mortgages according to stated and written guidelines. Utilized automated

networks to assist in final loan decision. Underwrote to various Wholesale guidelines.

Assistant Manager/Underwriter

Sunshine Mortgage

Frederick, MD October 2001 to November 2004

Assisted Manager in all operations of Mortgage Branch. Underwriter of all Conventional, FHA & VA loans.

Managed daily activities of processors and closers. Assisted with Sales Team as needed.

Sr Loan Processor

Classic Mortgage/Allied Federal - Frederick, MD February 1990 to October 2001 Processed Conventional, FHA and VA mortgage transactions. Prepared loan files and submitted to Underwriter for final loan decision. Prepared all files for closings. Education

Indiana University of Pennsylvania - Indiana, PA June 1983 to October 1983