JASON W. CAMPBELL

904-***-**** ad4uye@r.postjobfree.com *158 Ashridge Drive, Jacksonville, FL 32225

Mortgage Underwriter

ANNIE MAC (Remote) Jun 2020 – Nov 2021

RP Funding, Inc (Remote) Aug 2015 – Jun 2020

The Stonehill Group (Remote) Jul 2013 – Dec 2013

•Analyzed credit documents, including mortgage applications, credit history, income records, title documents, debt/loan-to-value, appraisals, and relevant compliance paperwork.

•Underwrote FHA, conventional, Alt-A, single family, condos, Townhome, 2-4 units, bank statement and income-producing properties (DSCR).

•Calculated income from diverse sources, such as self-employment, wage-earning, retirement benefits, pensions, social security, dividends, and interest.

•Utilized Encompass LOS and AUS systems. Specifically, FNMA and FHLMC, while also navigating fraud tools, MI guidelines, and investor overlay underwriting standards.

•Collaborated closely with Underwriting Manager in devising new processes and training Junior Underwriters.

Due Diligence Underwriter (Remote)

Consolidated Analytics Jan 2022 – Aug 2022

•Reviewed credit documents, including, but not limited to loan application, lender approval, credit and income documents, title report, appraisal, and all applicable compliance documents.

•Reviewed and addressed compliance exceptions and failures identified from third-party compliance systems, such as Compliance Ease and Mavent, and determined the validity of results by comparing analyst input versus documentation error.

•Accurately entered data into the company’s proprietary diligence software system.

•Formed intelligent decisions to identify deficiencies through a detailed, TRID-focused review of all applicable documentation including required initial disclosures, Loan Estimates, Closing Disclosures, and Changed Circumstances for timing and tolerance variances.

Available upon request

REFERENCES

•Lending & Underwriting Guidelines

•Credit and Income Analysis

•Cash-Flow Analysis

•Experienced in Regulatory/Compliance Reviews

•Risk & Fraud Analysis

•Microsoft Office Suite

•Encompass, Byte, MSP, ACES

CORE COMPETENCIES

BA with Dual Major in Business Management and Corporate Finance

University of North Florida - Jacksonville, FL

EDUCATION

QA Underwriter

Bank of America - Jacksonville, FL Jan 2012 – Jul 2013

JP Morgan Chase - Jacksonville, FL

Senior Loan Processor Jul 2010 – Dec 2011

Default/Loss Mitigation Underwriter May 2009 – Jul 2010

Credit & Compliance Analyst/Mortgage Officer Nov 2000 – Dec 2008

PREVIOUS EXPERIENCE

A result driven, detailed oriented, and proactive Senior Mortgage Underwriter/Compliance Auditor with 20+ years’ experience in the industry. Expertise in mortgage industry regulatory environment (HMDA, TRID, ECOA, FCRA, AML/BSA, etc..) and a comprehensive understanding of residential mortgage loan processing and underwriting guidelines.

Compliance Auditor/Consultant (Remote)

Consolidated Analytics Jan 2023 – Mar 2023

•Assessed post-closed loss mitigation programs given to customers during the COVID-19 pandemic.

•Oversaw audit personnel training, organization, scheduling, and work assignment, guaranteeing efficient operations.

•Ensured regulatory compliance in developing corporate action plans, undertakings, and operational appeals.

•Held responsible as a Subject Matter Expert (SME), guiding colleagues on intricate and routine escalated matters.

•Conducted extensive studies, providing important insights and recommendations to corporate compliance peers.

WORK EXPERIENCE

•Extensive experience with remote work, demonstrating self-motivation, time management, and excellent communication skills.

•Skilled in analyzing creditworthiness, income verification, asset assessment, and collateral evaluation for mortgage loan applications and compliance reviews.

•Excellent working knowledge of FNMA/FHLMC guidelines, and QM/ATR as well as strong familiarity and understanding of non-QM and guideline reviews that vary substantially by client.

•Ability to make sound and informed decisions based on comprehensive risk analysis and thorough documentation review.

PROFESSIONAL ATTRIBUTES

PROFILE SUMMARY

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