Mortgage Underwriter Loan

KEITH GOLLIHUE

856-***-**** *********@*******.*** www.linkedin.com/in/keithgollihue

Mortgage Underwriter

Mortgage banking professional with extensive experience as a successful underwriter and manager of underwriting and operations departments in residential, commercial, and construction lending. Proven experience with emphasis on productivity, consistency, and communication.

Areas of Expertise

Mortgage Underwriting

• FHA/DE

• Conventional/Jumbo

• USDA

• State Bond Programs

• Non-QM Loans

Forensic Underwriting

Financial Statement and Credit

Report Analysis

Fraud Analysis

DU/LP/GUS Automated

Underwriting Systems

Proprietary Operating Systems

Interpersonal Skills

Microsoft Suite

Communication

Customer Service

Verbal and Written

Communication

Professional Experience

Credit Underwriter (Remote)/April 2020 - present

Evolve Mortgage Services/Frisco, TX (headquarters) Issues credit decisions and reviews post-closing documentation.

• Frontline underwriting of Conventional, Non-QM, Jumbo, Non-conforming, and Non-agency products

• Third-party reviews for compliance with investor guidelines

• Closed-loan reviews (quality control)

• Underwriting and reviews involving:

Identifies and assesses overall risk and potential fraud exposure resulting from clients' underlying business practices

Reviewing credit reports to determine credit patterns, current liabilities, outstanding judgments and collections

Reviewing residential mortgage appraisal reports

Analyzing income from salaried, commissioned, self-employed, and fixed income sources

Analyzing assets statements for all types of asset accounts

• Meets and exceeds the minimum daily production goals while maintaining high-quality standards Credit Underwriter (Remote)/July 2019 – June 2020

Covius Services, LLC/Glendale, CO (Formerly Clayton Services, LLC/Tampa, FL - headquarters) Issued credit decisions based on the documented borrower profile within the guidelines of the program and client requirements.

• Provided underwriting services in Conventional, FHA, Jumbo, Non-conforming, and Non-agency residential products

• Identified and assessed overall risk and potential fraud exposure resulting from clients' underlying business practices

• Met and exceeded the minimum daily production goals while maintaining high-quality standards

• Reviewed credit reports to determine credit patterns, current liabilities, outstanding judgments and collections

• Reviewed residential mortgage appraisal reports

• Analyzed income from salaried, commissioned, self-employed, and fixed income sources

• Analyzed assets statements for all types of asset accounts KEITH GOLLIHUE Resume Page 2

Quality Control Mortgage Underwriter (Remote)/October 2018 - July 2019 Infinity IPS/Rockville, MD (headquarters)

Uses extensive knowledge of residential mortgage industry to:

• Review and verify loan documentation and post-closing servicing documentation for evidence of misrepresentation. Documents include credit, title, appraisals, credit documents, property valuation and debt ratios.

• Review previously underwritten loan files to determine compliance with lender credit underwriting guidelines and representations and warranties, and to ensure an investment quality loan product Mortgage Underwriter (Remote)/March 2018 - October 2018 The Oakleaf Group/Bethesda, MD (headquarters)

Uses extensive knowledge of residential mortgage industry to:

• Review and verify loan documentation and post-closing servicing documentation for evidence of misrepresentation

• Review previously underwritten loan files to determine compliance with lender credit underwriting guidelines and representations and warranties, and to ensure an investment quality loan product

• Compile findings into a summarized report with attending exhibits Consumer Loan Underwriter/Northeast Bond/ January 2013 - December 2017 Wells Fargo Home Mortgage/Philadelphia, PA

Provided outstanding underwriting services for Bond Loan Programs including FHA, Conventional, and USDA Bond loans within industry and company guidelines.

• Consistent leader in productivity standards

• Trainer and coach to team members

• Daily production analyst for senior management

Lending/Closing Manager/ January 2010 - January 2013 Wells Fargo Home Mortgage/Chester, PA

Managed a staff of up to 12 team members including underwriters, closers, and support personnel with consistent, hands-on leadership. Provided:

• Guidance and coaching to underwriters to improve customer service

• Strategic planning and recommendations for future direction

• Escalation support between sales teams, external vendors, and customers to ensure effective communication and timely decisions

• Trained and supervised underwriters to ensure compliance with government and Bank regulations. Consumer Loan Underwriter/ March 2009 - December 2010 Wells Fargo Home Mortgage/Chester, PA

Conventional loan underwriter excelling in productivity and quality approvals. Mortgage Production Team Manager/ June 2002 - July 2008 Indymac Bank/Marlton, NJ

Recognized for excelling in underwriting with quick progression from Underwriter position to Underwriting Manager to Mortgage Product Team Manager. Managed and supervised a 23-member team producing increased efficiency and productivity. Maintained consistent government and Bank compliance standards. EDUCATION

B.A. Economics and History Eastern University, St. Davids, PA

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