Loan Counselor Underwriter
Resume:
Fishers, Indiana ****7
*******.********@*****.***
Michael J. Lumpkin
Career Profile
Seasoned FHA DE/VA LAPP SAR/USDA certified Underwriter utilizing comprehensive analytical skills combined with powerful negotiation tactics while integrating effective communication skills producing quality, insurable loans.
Experience
2021-2022 Nest Mortgage Group Greenwood, IN
Senior Underwriter
Make credit decisions on mortgage applications within 24 hours of submission.
Obtained Direct Endorsement Sponsorship for the company to become sponsored lender.
Fielded inbound calls to provide instant answers to originators
99.03% Average Quality Score
2020-2021 Cross Country Mortgage Brecksville, OH
Senior Underwriter
Make credit decisions for all GSE, FHA and USDA loan applications for Indiana within 24 hours of submission.
Continual coaching & development of underwriting & sales staff
Quality oriented – Average Quality Score 98.13%
Fielded inbound calls to provide instant answers to originators.
2017-2018 Home Point Financial Indianapolis, IN
Underwriting Support – Senior Scenario Underwriter
Make credit decisions for all VA, FHA, USDA loan applications for Indiana within 24 hours of submission.
Quality oriented – Average Quality Score 95%
Comprehensive review using minimal conditions to ensure timely close
Certified to decision IHCDA, FHA 203b, FHA 203K, VA, USDA and all
conventional products
Fielded inbound call to provide instant answers to sales agents in the field
2015-2017 Union Savings Bank Indianapolis, IN
FHA DE/VA SAR– Correspondent Lending Division
Make credit decisions for all VA, FHA, USDA loan applications for Indiana within 24 hours of submission.
Continual coaching & development of processing staff
Quality oriented – Average Quality Score 95%
Comprehensive review using minimal conditions to ensure timely close
Certified to decision IHCDA, FHA 203b, FHA 203K and all Conventional loan products
2014-2015 Ruoff Home Mortgage Ft Wayne, IN
DE Underwriter (Remote) – Retail/Wholesale Lending Division
Handle daily operations of originations queue including conditions, and new decision new files within 24 hours.
All functions of Encompass 360 as primary LOS
Train and mentor team of underwriting assistants to improve efficiency
Quality oriented – Average Quality Score 99.13%
Comprehensive review using minimal conditions to ensure timely close
Certified to decision IHCDA, FHA 203b, FHA 203K and all Conventional loan products
2013-2014 Carrington Mortgage Services Fishers, IN
Senior DE Underwriter – Wholesale Division
Detailed credit analysis required due to aggressive lender determined to “Serving the Underserved” by extending housing loans with qualifying FICO as low as 550.
FHA/Convention Manual Underwriting specialist requiring “old school” credit underwriting due to many factors, credit challenged borrowers.
Build strong relationships with Loan Officers, Processors and others to obtain and clear any outstanding conditions within posted turn times.
Complete collateral assessment including appraisal review and requesting required changes to URAR up to and including final determination of value
Complete ongoing intensive FHA training and 203K certification off site using the information obtained to develop support staff and UW assistants
Quality oriented – Average Quality Score 98.92%
Underwriter II – Wholesale Division
Analyze applicant’s credit/income/asset documents for completeness, calculate DTI/LTV
Determine eligibility based on investor guidelines insuring quality paper
Precisely condition for required items to ensure timely closing and funding with limited touches
Promoted to SR DE Underwriter within 90 days of hire
2012-2013 Freedom Mortgage Corp. Fishers, IN
Junior Underwriter – Team Lead (Orange) – Indianapolis Wholesale
Daily supervision/support large team of UW assistants
Review income, assets and credit worthiness of mortgage applications.
Decision Conventional and AUS Accept FHA loans.
Work with support staff to understand UW concepts in a production environment meeting rigid deadlines
Automated Underwriting Systems – DU, LP, GUS and manual UW as required
Promoted to team lead within 90 days of hire
Underwriting Assistant – Indianapolis Wholesale
Broker liaison to UW team for TPO client base serving as point of contact for brokers.
Review conditions prior to submitting to UW to ensure will satisfy
concerns, limiting excessive touches remaining profitable
2008-2012 Aurora Bank FSB Indianapolis, IN
Supervisor – Single Point of Contact
Supervised team of up to 18 loss mitigation reps with dual purpose to field all inbound calls and make outbound to offer workout options
Reconcile employee records, coaching and development on any performance trends as necessary
Finished final month at Aurora with 97.66% team quality average
Loss Mitigation Underwriter – Special Servicing 2nd Look (Quality Control)
Review previously underwritten files prior to rendering decision for any possible exceptions or missed opportunities by underwriter
Complete and manage in lines review scores to track performance trends; coaching underwriting staff to goal of 98% average
Handle all executive complaints, legal ad mediation accounts to resolution
Manage workflow and completion of foreclosure affidavits for legal team
Reported directed to AVP Loss Mitigation
Loss Mitigation Underwriter – Special Servicing
Manage daily pipeline of income loss mitigation requests within aging compliance guidelines
Review and analyze income and asset documents for defaulted home loan consumers, calculating ratios and making sound credit decisions.
Certified to decision FHA, VA, Non-GSE HAMP and traditional modifications as well as short sale options, including HAFA
Work directly with Jr. Underwriters to train and mentor on processes and procedural guidelines
Handle sensitive legal, escalation and executive complaints pertaining to loss mitigation workouts
Consistently exceeded performance and production goals
98% average quality score
Loss Mitigation Jr. Underwriter – Special Servicing
Review incoming loss mitigation documents for completeness and accuracy.
Act as point of contact for loan modification candidates
Prepare complete packages for underwriter decision
Loan Counselor V – Special Servicing Unit
Unique hybrid unit; One call resolution
17 consecutive calls rated 100% by Quality Assurance
Familiar with all aspects of collections procedure and home retention processes
May 2009 Indy Star award recipient
Loan Counselor III
Contact homeowners to explore possible customer focused workout options
Familiar with most mortgage products in the marketplace
Completed intensive compliance based training module
Tim Brennan SVP Aurora Bank FSB 317-***-****
Amy Myers AVP Homepoint Financial 317-***-****
Lisa Pratt UW Manager Carrington Mortgage 317-***-****
Contact this candidate