***** **** ****** **** #***

Fishers, Indiana ****7

463-***-****

adrcnw@r.postjobfree.com

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-***-****

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