DAVID THOMAS

AUBURNDALE FLORIDA *****

PHONE: 863-***-******EMAIL: adsvnq@r.postjobfree.com

CORE COMPETENCIES

*UNDERWRITING QUALITY CONTROL *UNDERWRITING DUE DILIGENCE *HIGH VOLUME DEPTS

*UNDERWRITING FNMA/FHLMC LOANS *CREATE TRAINING MATERIALS *LEAD TEAMS OF 20+

*PROCESSING CONV/FHA/VA/HARP LOANS *FRONTLINE UNDERWRITING *CUSTOMER LIASION

EXPERIENCE

Situs/AMC, INC Tampa, Fl 3/2018-7/2022

Mortgage Loan QC Underwriter

Analyzed Mortgage Loan once reviewed by Initial Mortgage Loan Underwriter to verify information was entered and decision was correct.

Was trained to verify HELOC and Fix and Flip loans for Quality Control.

Analyzed all loans to verify if TRID compliant and meets all federal guidelines.

Mortgage Loan Underwriter

Experienced a promotion to the Quality Department as a Quality Control Underwriter Credit Services II on 11/15/2021.

Analyze all income, asset, employment, title, trust agreements, leases and all other loan documents to determine & render a credit decision for a loan application.

Analyze all loans to verify if they are TRID compliant, meet all federal guidelines & are saleable per investor guidelines.

Analyze all individual, partnership, corporation and 2-corp tax returns and all schedules including K-1’s.

Mortgage Loan Servicing Underwriter

Analyze mortgage conventional loans to complete a servicing underwriting review for collection comments and pay individual, histories for various projects and clients.

Analyze mortgage files for accuracy and completeness to capture each file the collection comments events and to place each event in system according to the servicing guidelines for each client.

Analyze each file to capture the pay history for pertinent clients to measure the promptness of payment for every client.

Every underwriter is measured as for the accuracy and promptness of each file against every peers that is completing the pertinent project.

Hiregy Staffing/GTE Financial, Tampa, FL 11/2017-3/2018

Retail Mortgage Loan Processor

To coordinate with each loan officer the accuracy of each file/document that is submitted to process.

To pre-underwrite each file for accuracy for DTI ratios, LTV, loan programs, gathering/analyzing of documents for submission to underwriting for approval.

To communicate with every applicant for understanding of loan process, gathering of loan documents and to answer any questions the loan applicant may have.

To communicate with title companies, attorneys, CPA’s and insurance companies to get pertinent documents regarding the loan process..

MILLENIUM GROUP STAFFING/USAA Federal Savings

Tampa, FL 1/2017-7/2017

Mortgage Loan Underwriter

Analyze mortgage conventional loans to make initial and final decisions based on Desktop Underwriting & Company guidelines which are in line with FNMA & FHLMC guidelines.

Verify each mortgage file to maintain accuracy calculations of income, assets, credit based on guidelines with Fannie Mae/Freddie Mac.

Maintain a superior level of accuracy & quality for each mortgage file & to make sure that each file to completed in a timely manner.

To professionally interact with colleagues to promote a spirit of cooperation to decision each loan.

To place the correct & complete underwriting conditions al file based on total valuation of file.

BANK OF AMERICA Savannah Ga/Jacksonville Florida 9/2012-1/2017

Loan Officer/Processor/Underwriter-Consumer Retail Lending

Originate vehicle loans offering various loan products/terms that tailors to the client’s various vehicle needs.

Process all supporting docs that are received by each client to verify that loan is compliant and ready to close and fund.

Assist underwriting department that if all supporting docs aren’t received to obtain them from the borrower or 3rd party.

Assist underwriting department to be aware of new conditions to added to loan when situation allows.

Meet all weekly/monthly goals that are set by management.

Home Services Specialist II-SASE Conventional Level I Underwriter

Manage a processing/underwriting MHA Harp & Full Document Conventional Loan pipeline of up to 80 different mortgage loan files.

Achieved high standards of excellence by meeting/exceeding all processing & underwriting personal/team goals & deadlines but also maintaining high quality standard of excellence in program guidelines.

Want to further my underwriting lending authority by achieving my SASE Level 2-4 and to obtain my DE & Lapp licenses.

Received numerous awards in processing & underwriting mortgage loan files for quality.

JP MORGAN CHASE BANK Jacksonville, FL 10/2011-9/2012

Home Lending Customer Assistance Specialist

Achieved to be an expert on the HAMP, CHAMP, HAUP, CHAUP, UPFORB & HAFA loan modification processes, the necessary forms & alternative documents to complete the loan modification in a prompt manner.

Balancing a workload consisting of modification requests at all stages of the process; maintaining a 65-85 pipeline; taking phone calls in a call center environment, including of post- communication decisions, trial plan adherence & completion of loan.

Underwriting & processing each loan modification that was assigned to make a timely decision for each borrower who applied.

EDUCATION

Ozark College Joplin, Mo

Major in Business Administration & Minored in Accounting & Music

COMMUNICATION

MANAGEMENT * MORTGAGE PROCESSING * HOME LENDING * UNDERWRITER

For All Records and Recording owned this business

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