Resourceful Senior Underwriter offering **+ years of underwriting experience, including

structuring, originating, processing, and closing small to large, complex-financed loans and mortgages. Customer service orientation with a proven ability to communicate with borrower, review an appraisal, and gather sensitive documents in an efficient manner. Comprehensive background in manual and automated underwriting, due diligence, risk management, mortgage auditing, income calculations, loss mitigations, quality control, compliance, documentation preparation/verification, risk & fraud identification, loan modifications, foreclosures, and credit analysis. Display strong financial acumen and recognition of liabilities. Solid knowledge of various banking and mortgage industry loans such as FNMA, FHLMC, FHA, VA, MHA, etc. Oak Park, Illinois 60302

773-***-****

ad3bjl@r.postjobfree.com

CONTACT

Larry O’Connor

Sr. Underwriter

AA in Business Management Program

Triton College

EDUCATION

Underwriting Management

Client Profiling

Regulatory Compliance

Customer Service Orientation

Risk Management

Team Building & Leadership

Credit & Asset Analysis

Information Review & Verification

Fannie Mae & Freddie Mac

Knowledge

Strategic Planning & Execution

Loan Application Processing

Conflict Resolution

Income Calculations

Data / Trend Analysis

Excellent verbal and written

communication skills

KEY SKILLS

Gained comprehensive experience in financial document analysis, loan restructuring, application approvals and rejections, and superior client communications

A client-obsessed leader and “big picture” thinker with a deep knowledge of lending products, the industry, and regulatory frameworks

Experienced in AUS systems DU and LPA with specialization in Non-QM Correspondent, Jumbo, Non-Conforming, and Non-QM Simple Access-Starwood Investor

Keenly analyzing financial statements, asset and income reports, tax returns, and credit documentation for full accuracy and compliance

KEY HIGHLIGHTS

Office applications: MS Office –

Outlook, Excel, Word, and Lotus Notes

Underwriting systems: NETO,

Empower, Matrix, Par, Nautilus, Fiserv

and Cadence, Encompass

SOFTWARE

Non-Agency Jumbo Underwriter – Home Bridge Financial, Iselin, NJ / Remote 11/2021 - 7/2022

Performed income analysis for asset qualifier; 1099’s; bank statements; investor cash flow as well as conventional income such as W-2, self-employed borrowers

Maintained a lending authority up to $2M and reviewed risk assessments, income/credit analysis, and documentation for accuracy

Stayed current and adjusted to internal and external changes with knowledge of credit policies and procedures

Consistently handled high-volume caseload and met targets for production, quality, and customer satisfaction

Underwriting Manager – Fifth Third Bank NA, Rosemont, Illinois 08/20 – 10/21

Ensured processes were in place to mitigate future escalations and potential risks while responding to and resolving all escalated issues raised by internal and external customers

Led and managed the team to successfully achieve goals by utilizing training, performance assessment, coaching, and project management best practices

Continued to increase the knowledge and overall productivity of the team by delivering consistent training throughout the team

Fostered an environment of continuous process improvement by motivating respective team members to exceed service levels

Underwriting Manager / Sr. Underwriter – BMO Harris Bank NA 06/2014 – 08/2020

Ensured all team members were performing at their highest potential by performing weekly pipeline reviews with all team members, side by side observations and daily huddles

Oversaw skill development and career progression plans for all members of assigned team

Successfully documented loan exceptions in accordance with bank policies and procedures

Guaranteed full compliance with all bank policies, directives/procedures and external regulations to protect the bank’s assets

Sr. Underwriter – JPMorgan Chase Bank, N.A., Chicago, Illinois 05/2012 – 10/2013

Determined appropriate and accurate loan decisions for owner/non-owner occupied, investor, self-employed and wage earner applicants by performing credit analysis and underwriting on conforming and non-conforming loans

Performed credit and program compliance against Chase Program guidelines, including reviews of credit, appraisals, and title

Minimized risk while maximizing profitability by balancing the need for loan-volume growth with the equally important necessity of optimum underwriting quality Underwriter – 406 Partners Management/Opus Capital Markets 03/2006 – 10/2007

Ensured proper origination, processing and closing by performing post close quality control reviews of originated residential mortgage loans

Met credit policy procedure and FNMA and Freddie Mac program requirements by ensuring loans conformed

Identified inadequacies, errors and evidence of fraud by completing evaluations EXPERIENCE

Underwriter - Ocwen Financial,

Downers Grove, Illinois 12/01 – 03/06

Funding Analyst – Credit Suisse First

Boston, Downers Grove, Illinois

12/01 –03/06

Branch Lending Manager – TCF

National Bank, Melrose Park, Illinois

03/97 – 01/00

ADDITIONAL EXPERIENCE

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