Loan Underwriter Senior

CAREER SUMMARY

• Motivated Professional with **+ years of experience in the Financial Industry, leveraging expertise in analyzing risk, and determining customer eligibilities to meet organizational and regulatory compliance standards, as well as the ability to research and utilize best practices and regulatory changes to drive business initiatives and maximize revenues

• Performed detailed reviews of loan applications, focusing on the evaluation of overall risk and ensuring that all areas comply with the investor guidelines, continuously achieving top producer

• Progressed successfully through various levels of loan signing authority, passing the SASE 3 test to achieve the ability to sign off on loans of $1M

• Oversaw the loan second level review, including income, credit, and property analysis completed by underwriting, ensuring that all policy and investor guidelines were maintained and that the correct decision was rendered

• Performed various analyses and measured reporting metrics concerning loan volume, quality control, compliance, load leveling, pipeline management, and reporting, leveraging outcomes to drive changes needed to support continued success PROFESSIONAL WORK EXPERIENCE

FIRST BANK OF TENNESSEE

Senior Underwriter 2018 – 2022

• Performed detailed reviews of loan applications, focusing on the evaluation of overall risk and ensuring that all areas comply with the investor guidelines, continuously achieving top producer

• Provided a complex analysis of borrower income and assets, addressing the financial ramifications of the COVID-19 pandemic with verification that income was not in decline

• Responsible for performing appraisal reviews, maintaining data integrity, and property eligibility, as well as determining if the value was supported

• Led a condo project review, analyzing all aspects to determine if the project met organizational requirements to be investor eligible

• Executed various deep dives concerning title reviews, identifying lien position, and verification of no additional liens or judgment ACCENTURE CREDIT SERVICES

Underwriter – Bank of America 2016 – 2017

• Responsible for performing income, credit, and property analysis on conventional loan files, providing the needed information within the time frame established by the department management

• Progressed successfully through various levels of loan signing authority, passing the SASE 3 test to achieve the ability to sign off on loans of $1M

• Performed in-depth analysis on multiple challenging loan packages, utilizing the data to provide sound credit solutions

• Remained abreast of any organizational standard and procedure changes, allowing for a continuous top-performance maintaining the highest quality and production aligning with the business goals WELLS FARGO HOME MORTGAGE

Consumer Loan Underwriter III 2012 – 2015

• Oversaw the loan second level review, including income, credit, and property analysis completed by underwriting, ensuring that all policy and investor guidelines were maintained and that the correct decision was rendered

• Evaluated the final decision made by underwriting, verifying that the best option available was provided to the customer

• Utilized the accuracy of the review performed by the underwriter, delivering a finding of Acceptable, Moderate, or Material

• Responsible for providing both verbal and written detailed correspondence, including analysis findings supporting the decision on each review

• Leverage expertise to guide and mentor individual underwriters, coaching on credit policy and investor guidelines to support the individual as well as organizational success

John W. Marshall III

704-***-**** Waxhaw, NC ************@*****.*** linkedin.com/in/wil- marshall

• Regulatory Compliance Standards

• Risk Analysis

• Problem-Solving

• Cross-Functional & Executive

Collaboration

• Training & Development

• Team Leadership

• Process Improvements

• Revenue Increases

• Research & Analysis

• Operations Management

CORE COMPETENCIES

ACCENTURE CREDIT SERVICES

Team Manager 2010 – 2012

• Directly responsible for managing the operations of a team of 30 employees, collaborating with operational management daily to ensure alignment of performance with organizational goals

• Performed various analyses and measured reporting metrics concerning loan volume, quality control, compliance, load leveling, pipeline management, and reporting, leveraging outcomes to drive changes needed to support continued success

• Provided training and development for direct reports, coaching, mentoring, and leading by example, ensuring understanding of the individual, team, and company objectives and expectations

• Collaborated with project management, business analysts, and various stakeholders, identifying, implementing, and overseeing process improvements throughout the department to enhance performance

• Established internal and external relationships, demonstrating the highest level of integrity, character, and professionalism as an individual as well as representative of Accenture

WELLS FARGO HOME MORTGAGE

Consumer Loan Underwriter II 2008 – 2010

• Performed underwriter responsibilities, securing the underwriting of loans ensuring soundness, business value, and compliance with all organizational and investor standards

• Analyzed and reviewed financial statements, tax returns, and credit reports utilizing information to determine the appropriate course of action aligning with the investor guidelines

LENDING TREE INC. 2004 – 2006

Account Manager-Lender Relations

Purchase Incubation Team Manager

• Oversaw the management of a portfolio of ~100 lenders on the Lending Tree Network, performing as the primary business point of contact, and supporting the continued business relationships

• Responsible for identifying and pursuing new business opportunities with the lenders, managing and supporting lender volume as well as the expansion of business relationships

• Collaborated with active lenders, performing contract negotiations, agreeing on acceptable terms, and securing the contract renewals

• Performed as Purchase Incubation Team Manager, overseeing a team of 23 loan officers making customer contact, and securing sales of products and services

• Collaborated with senior management, establishing performance objectives, and recognizing areas in need of improvement

• Monitored individual and team performance regularly, ensuring compliance and alignment of all metrics and expectations CAROLINAS FINANCIAL ASSOCIATE – CHARLOTTE, NC

Mortgage Loan Consultant 2001 – 2004

• Functioned as a Licensed North Carolina Loan Originator, leveraging expertise in residential financing, including builder businesses, portfolio loans, Fannie Mae, Freddie Mac, as well as reverse and investor loans

• Performed analysis on loan applications, focusing on risk potential and making sound lending judgments concerning home and home equity loans

S.B. PHILLIPS INC. – ROCK HILL, SC

Branch Manager, Sales Manager 1998 – 2021

• Tasked with leading the day-to-day operations of a branch with annual sales in excess of $3M, including complete P&L management

• Responsible for transforming a low-performing branch, reducing operating expenses, and driving a 41% increase in sales within 15 months, receiving executive leadership recognition and awarded to the President’s Club of Excellence

• Analyzed data to project sales and gross profit levels of the branch, providing information to all levels of senior management to be used in decision making

• Developed and implemented cost control initiatives, resulting in the branch operating within the budget established by senior management

EDUCATION & CERTIFICATIONS

The University of North Carolina at Greensboro

Bachelor of Science, Management & Marketing

Operational Excellence Lean Office

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