High Net Mortgage Underwriter

Steven Ahlers

**** ******** *****, **********, ** 41005

Cell 859-***-****

******.******@*****.***

HTTPS://www.linkedin.com/in/steven -ahlers-2547b114

Performance-driven Mortgage Underwriting professional with a broad range of experience in high net worth clients, self-employed borrowers and investors. My background includes Conforming, Jumbo, Non-Conforming and Sub-par lending.

CORE SKILLS

Critical thinking, problem analysis & solutions

Documentation analysis

Relationship building

Excellent written and verbal skills

Proficient in Underwriting systems (ACAPS, LP, DU, H2O, Encompass)

Strong organizational skills

High attention to detail

Experienced in MS Office Products

PROFESSIONAL EXPERIENCE

Non-QM Scenario Mortgage Underwriter III

NewRez/Caliber Home Loans, TX

11/20 – 07/2022 (laid off)

Performed credit reviews in comparison to company guidelines and conditioned loans accordingly.

Worked closely with loan officers/brokers to ensure timely response to avoid any delays in closing.

Reviewed title commitments for any issues that would compromise the lien position.

Generated revenue by underwriting of 80-100 new applications monthly while keeping default rates at less than 3% of my loan portfolio total.

Recruited to work in a new business area called Non-QM Scenario Underwriting.

Mortgage Underwriter II

Altisource Solutions Inc

11/01/2019 to 11/01/2020.

Provided decisions for mortgage applications based on loan document review and conditioned loans accordingly.

Performed simple and complex Income and Asset calculations.

Analyzed one to four family appraisals including condominiums to ensure they meet collateral guideline requirements.

Consistently exceeded loan application underwriting production goals.

Mortgage Underwriter I

12/01/2014-11/01/2019

Decisioned credit applications for multiple mortgage product lines and conditioned accourdingly.

Consistently pushing to meet and exceed monthly qualifying and production goals 80-100 per month while ensuring positive growth and quality.

Completed detailed Income, Asset, Credit, and Collateral analysis

Participated in round table discussions to discuss possible issues or enhancements in loan programs or underwriting systems.

Demonstrated excellent communication and follow up skills with co-workers and loan officer regarding approvals, denials and counter-offers.

OTHER EXPERIENCE

Coke Consolidated

Small Store Merchandiser

05/2023-present

Successfully built relationships with business owners and managers.

Responsible for stocking Coke products on shelves and coolers.

Rotate stock and pull expired products

Advised businesses of excessive or needed stock.

EDUCATION

Northern Kentucky University

BA Criminal Justice

COMMUNITY AFFILIATIONS

Habitat for Humanity & Salvation Army Volunteer

Northern Kentucky University Baseball (1987-1991)

Beechwood High School Athletic Hall of Fame 2023

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