Mortgage Underwriter Consultant
Resume:
Edwin Mitchell
*** **** ***** *******, ** *****
**********@*****.***
Work Experience
Conventional Mortgage Underwriter/Frontline Underwriter
Prosperity Home Mortgage- Atlanta, GA March 2020-Sept 2022
-Ensure loan submittals meet internal and external eligibility requirements.
-Performed appraisal reviews and recommends additional requirements needed for risk to adhere company guidelines.
-Produce productivity and quality standards reports on junior level underwriters and provided second level reviews on complex files and credit exceptions
-Have extensive experience in underwriting Freddie Mac and Fannie Mae loans
-Demonstrate excellent follow through with loan processors, loan originators, and management throughout all phases of the underwriting process.
-Leverage knowledge of loan products to help restructure turn-down for subsequent approvals.
-Underwrite conventional, Atl A, Single Family, Condo’s, Townhome, 2-4 units and income producing properties.
Due Diligence Compliance Underwriter
Clayton Holdings - Atlanta, GA
April 2013 – March 2020
•TRID specialist
•Evaluated and reviewed file documentation to include RESPA documents, GFE's, HUD-1, and performed post-closing quality control audits to respond and successfully defend against repurchase demands
•Prepared direct rebuttals to mortgage file repurchase claims
•Underwrote foreclosed loans per DU, LP and Clue's findings to re-assure the accuracy of the loan
•Analyzed loans files for origination defects and investigated reasons for default
•Manually calculated income, DTI, exposure rate and loan amounts
Mortgage Consultant
Cushman Wakefield
June 2016 to January 2017
•Reviewed loan documents to ensure compliance with regulations and company policy Used FNMA,
•FHLM, and FHA guidelines to determine coverage for detached structures.
•Managed and monitored a complex portfolio of flood regulatory issues representing a significant amount of risk.
•Analyzed appraisals to determine if value of Detached Structures to determine if they were insurable • In-depth reviews of insurance policies and direct contact with insurance agencies for bank insurance requirements
•Pulled Marshall Swift Valuations for structure RCV's. and ACV Built flood record event documents for Flood Remediation
•Responsible for all due diligence associated with FEMA's flood regulation and the Bank's Flood Procedure
Forensic Underwriter, Project Professional
Experis Finance - Boston, MA January 2014 to February 2015
•Conducted compliance reviews
•Audited flood remediation reviews Reviewed files to ensure RESPA documents were in compliance
•Reviewed GFE and HUD-1 for accuracy and completeness
•Conducted wealth management audits
•Flood certification reviews
Due Diligence Underwriter
Clayton Holdings - Atlanta, GA
April 2013 to January 2014
- June 2015-June 2016
•Evaluated and reviewed file documentation to include RESPA documents, GFE's, HUD-1, and performed post-closing quality control audits to respond and successfully defend against repurchase demands
•Prepared direct rebuttals to mortgage file repurchase claims
•Underwrote foreclosed loans per DU, LP and Clue's findings to re-assure the accuracy of the loan
•Analyzed loans files for origination defects and investigated reasons for default
•Manually calculated income, DTI, exposure rate and loan amounts
Risk Analysis/ Consultant
The Hilltop Consultants - McLean, VA
June 2012 to February 2013
Mortgage Securities
•Reviewed California foreclosed files for accuracy of fees changed in accordance with California laws
•Reviewed delisted attorney files for duplication of attorney fees resulting in borrower financial harm • Reviewed files to determine whether or not any errors, misrepresentations or discrepancies may be identified in the foreclosure review process that may have caused financial harm to borrower
•Recommended Quality Assurance process improvement strategies to ensure that client's business and technical needs are met.
•Responsible for continuous monitoring and analysis of electronic correspondent USD payments processed worldwide to ensure compliance with the USA Patriot Act, the Bank Secrecy Act (BSA), and other anti-money laundering (AML) regulations
Project Consultant/Foreclosure Review
Solomon Edwards Group, Promontory Financial Group - Charlotte, NC December 2011 to May 2012
•Evaluated foreclosed loans to determine if all required loss mitigation activities were processed and documented in accordance with the requirements HAMP, MHA, and other proprietary modification programs
•Reviewed files to determine if ownership of the note and mortgage were properly documented when foreclosure was initiated
•Conducted complete audits of the foreclosure file to ensure all default timeframes were processed accurately.
•Extensive knowledge of quality assurance and testing methodologies.
•Performed extensive research, as a result of wire transfers, for information that may arise concerning money laundering, terrorist financing, Bank Secrecy Act ("BSA"), USA Patriot Act and OFAC-related issues.
Education
MBA
Saint Leo University - Saint Leo, FL
2016
Bachelor of Arts in Political Science Pre-Law
State University of New York
1990
Skills
Microsoft Office Suites, Excel
Additional Information
•Banking Compliance and Risk Management with expertise in the following: Auditing, QC Reviews,
•Compliance Reviews, OFAC, SARs, BSA, SAFE and CFPB guidelines.
•Expertise in: Anti-money Laundering (AML), USA Patriot Act, 314(b), Dodd-Frank Bank Secrecy Act (BSA), Bank Regulations, Federal Reserve Board Regulations, Truth and Lending Act.
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