Richard P. Harris

Mortgage Underwriting Team Lead – DE/LAPP/SAR

Experienced mortgage professional with an in-depth understanding of all aspects of the mortgage fulfillment process seeking a Senior Mortgage Underwriter / Underwriting Supervisor role. 15+ years of experience in mortgage origination fulfillment, with 9+ years of experience in credit, repayment capacity, and collateral analysis. Effective at training new underwriting team members in correct procedures and assessment strategies. Well-versed in mortgage lending standards and risk requirements. Contact

Address

The Colony, TX, 75056

Phone

703-***-****

E-mail

adu5v1@r.postjobfree.com

Skills

Credit Analysis

Government regulations

Leadership

Management

Mortgage Underwriting

Mortgage Lending

Customer Service

Current DE/SAR

Renovation Lending

Non-Agency / Non-QM Lending

Bond / Community Lending

Programs

Work History

02-2021 – 09-

2022

2020-10 – 02-

2021

Mortgage Underwriting Team Lead –

DE/LAPP/SAR/NON-QM

Change Home Mortgage, Irvine CA

• Analyzed income/asset/credit/collateral documentation for adherence with Agency and Non-Agency Investor

guidelines.

• Recommended loan approvals and denials based on

customer loan application reviews.

• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

• Assisted senior-level credit officers with complex loan applications.

• Assisted with the response and remediation of Investor deficiencies in order to meet company Important/Moderate defect targets.

• Maintained consistent communication with broker clients and account executives in order to adhere to assist cultivating the sales driven culture.

Mortgage Underwriting Team Lead –

DE/LAPP/SAR

Austin Capital Bank d/b/a HomeVantage, Austin TX

• Worked with the Underwriting Manager to create policies, procedures, and tools for the underwriting department.

• Assisted with the training of underwriting staff to further develop knowledge of various mortgage programs and products such as FHA, VA, and Bond loans.

• Analyzed income/asset/credit/collateral documentation for adherence with Agency and Non-Agency Investor

2020-04 –

2020-10

2014-09 –

2020-04

guidelines.

• Recommended loan approvals and denials based on

customer loan application reviews.

• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

• Assisted senior-level credit officers with complex loan applications.

• Assisted with the response and remediation of Investor deficiencies in order to meet company Important/Moderate defect targets.

Sr. Mortgage Underwriter DE/LAPP/SAR -

Wholesale

Ark-La-Tex Financial d/b/a Eleven Mortgage, Plano, TX

• Analyzed income/asset/credit/collateral documentation for adherence with Agency and Non-Agency Investor

guidelines.

• Recommended loan approvals and denials based on

customer loan application reviews.

• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

• Assisted senior-level credit officers with complex loan applications.

• Assisted with the response and remediation of Investor deficiencies in order to meet company Important/Moderate defect targets.

• Maintained consistent communication with broker clients and account executives in order to adhere to assist cultivating the sales driven culture.

Mortgage Underwriting Team Lead -

DE/LAPP/SAR/Non Agency/Non QM

Homebridge Financial, Addison, TX

• Analyzed income/asset/credit/collateral documentation for adherence with Agency and Non-Agency Investor

guidelines.

• Worked with the Underwriting Manager to create policies, procedures, and tools for the underwriting department.

• Recommended loan approvals and denials based on

customer loan application reviews.

• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

• Assisted senior-level credit officers with complex loan applications.

• Assisted with the training of new Underwriters, and the continuing development of current Underwriters

• Assisted with the response and remediation of Investor deficiencies in order to meet company Important/Moderate defect targets.

• Maintained consistent communication with branch

processors and loan officers in order to adhere to assist cultivating the sales driven culture.

2014-06 -

2014-09

Mortgage Underwriter – Agency/DE

Supreme Lending, Addison, TX

• Analyzed income/asset/credit/collateral documentation for adherence with Fannie Mae (FNMA), Freddie Mac (FHLMC), and HUD (FHA) guidelines

• Conditioned underwritten files in accordance with program guidelines

• Coordinated with Supreme Lending retail branches to ensure that loans meet all investor guideline and documentation requirements.

• Recommended loan approvals and denials based on

customer loan application reviews.

• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

• Worked with Sr. Underwriters and Underrating Managers to resolve complex loan scenarios, and provide exceptional customer service.

2013-06 -

2014-06

Underwriter - Mortgage Insurance

Genworth Financial, Mortgage, Addison, TX

• Credit signing authority up to $535,000

• Analyzed income/asset/credit/collateral documentation for adherence with Fannie Mae (FNMA), Freddie Mac (FHLMC), and Genworth underwriting guidelines

• Worked with Lender underwriters to ensure that loans meet all guideline and documentation requirements to maintain eligibility for Mortgage Insurance

• Issued non-delegated mortgage insurance certificates on loans underwritten to Agency and Genworth guidelines.

• Determined and documented loan conditions and

communicated requirements and decisions.

2012-02 -

2013-05

Underwriting Team Lead - Modification

Underwriting

CoreLogic / DISYS, Westlake, TX

• Supervised a team of 10 Loan Modification Underwriters

• Managed to daily production requirement of 5 loans per day

• Assisted Underwriters with the analysis of borrower income/asset/credit documentation

• Performed regular evaluation and audit of underwritten loans to ensure compliance with all government regulations and Service Level Agreements

• Coordinated with multiple levels of management to drive management objectives and project goals

• Participated in leadership meetings to discuss performance indicators such as loan quality, production, and employee performance.

• Worked with team members to improve performance and implement training updates.

2007-01 -

2010-02

Account Executive

Wells Fargo Home Mortgage, Herndon, Virginia

• Annual production average of $60MM

• Responsible for developing and implementing a territory management strategy to increase mortgage volume in the Washington DC Metro area

• Provided clients with in-depth operational expertise, including Loan Officer training for: Underwriting policies and procedures, Processing functions, and Closing/Post-Closing functions

• Provided broker clients/loan originators with in-depth training on income calculation, collateral review, repayment capacity evaluation, and automated underwriting systems.

• Secured high-value accounts through consultative selling, effective customer solutions and promoting compelling business opportunities.

• Strengthened customer relationships with proactive and collaborative approach to managing needs.

• Identified new business opportunities through cold calling, networking, marketing and prospective database leads.

• Met and exceeded service level goals by identifying and achieving standards and expectations.

• Liaised between clients and support team to resolve issues quickly and effectively.

2005-01 -

2007-02

Underwriting Associate Sr - Wholesale

Countrywide, Fairfax, Virginia

• Coordinated between operations, sales, and third party broker entities to ensure the timely closing of mortgage transactions

• Reviewed and cleared underwriting conditions on Agency and Alt-A loan files.

• Served as team lead & subject matter expert for the department overseeing the daily functions of 8 underwriting associates.

• Increased customer satisfaction and repeat business through relentless pursuit of resolutions to problems arising from service and closing delays, protecting company reputation and loyal client base.

• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.

• Negotiated agreements between employees to clarify misunderstood directions and resolve conflicts affecting performance.

2004-01 -

2005-01

Closer/Funder - Wholesale

Countrywide, Fairfax, Virginia

• Prepared loan documents for the closing of mortgage transactions in accordance with all company policies, and state and federal regulations

• Reviewed HUD-1 prior to funds disbursement to ensure that all fees and settlement charges are recorded appropriately, and adhere to lender closing instruction

• Coordinated with brokers, realtors, and settlement agents to ensure timely loan settlements, and timely delivery of finds for escrow disbursement

• Audited returned closing packages to ensure all documents meet compliance standards, and were executed properly

• Served as team lead & SME for the closing department, overseeing various post-closing functions on behalf of the Funding Manager

• Oversaw the functions of 6 post-closing associates, to ensure the timely preparation of funded loans awaiting investor delivery.

• Negotiated agreements between employees to clarify misunderstood directions and resolve conflicts affecting performance.

Education

2012-02 -

2014-02

Bachelors of Science: Business - Business Management University of Phoenix - Tempe, AZ

2010-02 -

2012-02

Associates of Arts: Liberal Arts And General Studies University of Phoenix - Tempe, AZ

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