John W Heafer IV

**** ******* **** **** *., Jacksonville, FL 32223

904-***-****

adskpd@r.postjobfree.com

Qualifications:

Detail oriented professional with 20+ years of extensive underwriting experience across multiple product lines. Risk focused with the ability to make sound decisions while ensuring internal, investor and agency guidelines are met with a high level of quality and follow-through. Qualified to complete a complex financial analysis of high net worth clients while focusing on providing exceptional service level agreements. Underwriting expertise of Jumbo, Super Jumbo, FHA, VA, Conforming and Non-Conforming mortgages.

Experience:

March 2015 – August 2022 US Bank Jacksonville, FL

Wealth Management Mortgage Underwriter III

● Duties include reviewing loan applications and all financial documents for high net worth borrowers in the US Bank Private Client Reserve/Wealth Management division to confirm that both internal portfolio and Agency guidelines are met. $1,000,000.00 lending authority with

$1,000,000.00 total aggregate exposure.

April 2013 – March 2015 Everbank Jacksonville, FL

Quality Control Underwriter II

● Review and analyze all loan types for deficiencies

● Conduct complex analysis of self-employed borrowers

● Provides guidance and acts as a mentor to less experienced QC Underwriters July 2012 – March 2013 Chase Home Loans Jacksonville, FL Sr Government Underwriter

● Residential mortgage underwriter for FHA loans

● Detail analysis of personal tax returns, financial statements, credit and collateral documents to ensure agency requirements are met

Jan. 2008 – June 2012 Florida Capital Bank Mortgage Jacksonville, FL Nov. 2006 – Nov. 2007 Countrywide Home Loans Jacksonville, FL May 2006 – Nov. 2006 Washington Mutual Jacksonville, FL June 2005 – April 2006 Wachovia Mortgage Corp. Jacksonville, FL Sr Government Underwriter

● Residential mortgage underwriter for FHA and VA loans

● Detail analysis of personal tax returns, financial statements, credit and collateral documents to ensure agency and secondary market requirements were met

● Assisted post-closing in curing deficiencies

● Mentored junior underwriters and facilitated training July 2001 – May 2005 PHH Mortgage (formerly Cendant Mortgage) Jacksonville, FL Government – FHA/VA Jr Underwriter – Specialty Underwriter

● Residential mortgage underwriter for FHA and VA loans

● Detail analysis of personal tax returns, financial statements, credit and collateral documents to ensure agency and secondary market requirements were met June 1998 – June 2001 Merrill Lynch Credit Corp. Jacksonville, FL Regional Loan Officer

● Gathered documents from high net worth clients for submission to underwriting

● Managed pipeline and coordinated mortgage loan closings Nov. 1990 – May 1998 AT&T Universal Card Services Jacksonville, FL Fraud Investigator

● Served as liaison between Universal Card Services and law enforcement agencies including the United States Secret Service

● Developed loss prevention systems and programs to detect fraud Certifications

● Government Underwriter: FHA DE & VA SAR, self-employed income analysis, Jumbo/Preferred,

● Conventional (FNMA and FHLMC)

Computer Skills

● Net-O, Doc-Velocity, Encompass, DU, LP, LoanQuest, Zippy, Loan Star, CLUE’s, MS Office Suite, Avista, IMPACT, CASH, PHHorce, Data Verify, Fraud Guard Education

● AA Degree 1988: FCCJ - Psychology/Sociology related major

● Studied Psychology at University of North Florida