Mortgage Underwriter Underwriting

Mark W. Burks

Plano, TX 817-***-**** cell **********@*****.*** www.linkedin.com/in/mburks

Profile

·Mortgage professional with over 20 years of mortgage industry knowledge and experience

·A self-starter who excels in solving difficult problems and formulating solutions

·A high level of professionalism and leadership skills

·FNMA/FHLMC/FHA expertise

·Extensive knowledge of mortgage industry regulations and agency guidelines

·DE/CHUMS #HZ41

·Experienced Encompass360 user

Career Progression

Senior Underwriter 5/13/2019 to 10/07/2022 Supreme Lending, Dallas, TX

Frontline underwriting of retail conventional and FHA loans, including bond loans

Risk assessment, review of credit and income documents, title commitments and appraisals

Examine loan documentation for accuracy, completeness and adherence to AUS findings and agency guidelines.

Underwriter III 2/2018 to 3/2019 loanDepot Wholesale, Plano, TX

·Frontline underwriting of FHA and conforming wholesale loans

·Risk assessment, review of credit and income documents, assets, title commitments and appraisals

·Extensive broker interaction involving a high degree of problem solving

Sr. Mortgage Underwriter 4/2017 to 2/2018 Capital One Home Loans, Plano, TX

·Frontline underwriting of conventional conforming, agency and jumbo loans

·Risk assessment, review of credit and income documents, assets, title commitments and appraisals

·Loan Approval authority of $2.5M

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Sr. Underwriter 10/2015 to 2/2017 Willow Bend Mortgage, Plano, TX

·Front line mortgage underwriting

·Ensured program and investor guidelines were met

·Conventional and Government (FHA) mortgage loans

Self Employed Underwriter/ Contractor 4/2014 to 10/2015

·Financial litigation research and claim analysis

·Due diligence and forensic underwriting

·Frontline underwriting; conventional and jumbo loans

Sr. Mortgage Underwriter 9/2014 to 01/2015: Guardian Mortgage, Plano, TX

·Underwriting of conventional wholesale loans

·Risk assessment, review of credit and income documents, title commitments and appraisals

Sr. Mortgage Underwriter 1/2013 to 2/2014: Flagstar Bank, Dallas, TX

·Underwriting of conventional wholesale loans requests, ensuring compliance with appropriate company and secondary market investor standards are met.

·Reviewed conventional loan files to program guidelines, calculated debt to income ratio and loan to value ratios. Analyzed credit history, income documents, title commitments and appraisals.

Sr. Mortgage Underwriter 3/2009 to 1/2013: Bank of America, Plano, TX

·Primary duties included manual and automated underwriting of conventional wholesale loans requests, ensuring compliance with appropriate company and secondary market investor standards are met. Examine loan documentation for accuracy, completeness and adherence to AUS findings.

·Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified.

Education

University of Texas at Arlington / Finance

Abilene Christian University / Communications Radio/TV

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