MIKE STANLEY

Phone: 714-***-**** Email: aduh00@r.postjobfree.com

Address: *** *. **** **., ***, Placentia, CA 92870 SUMMARY OF QUALIFICATIONS

Versatile, dedicated, and meticulous Mortgage Loan Underwriter with over 20 years of successful experience in the Mortgage Industry leading underwriting and mortgage loan processing operations. Adept at servicing and closing FHA, conventional, and various other types of loans for clients while maintaining compliance with investor and company guidelines. Energetic and goal-oriented with an impressive performance record, recognized for consistently improving quality control results, exceptional risk management skills, and information verification abilities to mitigate risk and reduce possibility of fraud. Currently seeking a Mortgage Loan Underwriting position by demonstrating key strengths and areas of expertise as follows:

• Mortgage Underwriting

• Data Analysis/Verification

• Credit/Risk Analysis

• Final Approval/Validation

• Requirements Analysis

• Closing Disclosure

• Conventional Loans

• Mortgage Loan Processing

• Borrower Communication

• Lender/Client Collaboration

• Automated Software Systems

• Escrow/Title Review

• Credit/Appraisal Review

• Encompass Operating System

• Pipeline Management

• Portfolio Management

• Regulatory Compliance

• Fraud Detection

• Loan Modification

• Fraud/Risk Mitigation

• DU/LP Findings

CORE COMPETENCIES & RESPONSIBILITIES

• Reviewing and making decisions on all standard purchases and refinance transactions for FHA and Conventional loans according to investor and company guidelines.

• Advising mortgage brokers and account executives on loan alternatives, scenario questions, and program guidelines.

• Underwriting conforming/high balance loans using AUS systems, DU/LP, and manual underwriting of non-conforming Jumbo loans while maintaining compliance with investor/company guidelines.

• Consistently demonstrating a strong ability to assess an individual’s creditworthiness while explaining credit decisions to all parties and offering alternative options for borrowers.

• Handling builder transactions, structuring/maintaining 3-4 underwriting files daily, and reviewing income such as personal/business returns, paystubs, W-2s, appraisals, titles, and credit reports. PROFESSIONAL EXPERIENCE

American Pacific Mortgage · FHA Underwriter, Remote Mar. 2020 – Oct. 2022 Parkside Lending · FHA Underwriter, Remote Aug. 2018 – Feb. 2020 Peoples Home Equity · FHA/Conventional Underwriter Aug. 2016 – Jul. 2018 Pacific Union Financial · FHA/Conventional Underwriter Mar. 2015 – Aug. 2016 Lenox Financial Mortgage · FHA/Conventional Underwriter Jun. 2012 – Mar. 2015 MetLife Home Loans · Underwriter Dec. 2010 – May 2012 Countrywide/Bank of America Home Loans · Home Loan Specialist II Sept. 2006 – Dec. 2010 EDUCATION & CREDENTIALS

FHA DE Certification

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