Earl Biringer

*** *** ****** *****

Fleming Island, Florida 32003

adx158@r.postjobfree.com

904-***-****

PROFILE/QUALIFICATIONS:

Certified DE Mortgage Underwriter who is dedicated to high levels of customer satisfaction and meeting aggressive business goals with knowledge of FNMA/FHLMC and FHA with additional strengths in Quality Control and Compliance.

Experienced in reviewing all pertinent loan documents. Able to calculate complex income scenarios including self-employed borrowers and borrowers with non-traditional income sources. Strong mathematical background and ability to manually calculate DTI. Able to accurately review all appraisal types (including co-ops) per investor guidelines. Able to document results in a simplistic manner while capturing necessary information.

Driven to find solutions and evaluate the overall strengths and weaknesses of credit worthinesss for personal and business income and financial statements with the ability to think outside the box. Dedicated/enthusiastic and dependable individual who excels within challenging, competitive, fast paced environments while consistently demonstrating the ability to manage competing priorities and ensure deadlines are met while providing ongoing risk/reward balance for optimal results. Sound, seasoned leader with extensive knowledge in policy, business, and process expertise in collateral and credit review. Leader who has managed processing, reps/warrants, QA/QC, and problem resolution teams who champions diversity and inclusion.

Self-motivated with a strong work ethic and willingness to continually learn and create new techniques to adapt to policy, procedural, and technological changes. Exemplary verbal and written communication skills with the ability to effectively communicate with diverse audiences.

Highly skilled at many industry-standard applications with the ability to learn systems quickly and efficiently. Demonstrated ability to quickly and accurately identify operational issues, devise resolution strategies, and effectively communicate resolutions with senior leadership. Key strengths include judgement, decision making, and complex problem solving. PROFESSIONAL SKILLS:

UNDERWRITING:

Responsible for underwriting large volume of FHA and conventional loans within company and industry guidelines.

Reviewing financial statements, income documentation, credit reports to qualify customers. Evaluating loans to ensure accuracy and completeness. Preparing formal reports for review, ensuring that documents are consistent and uphold to company and industry standards.

Implementing fraud detection techniques and performing compliance reviews. Assisting in re-negotiations of loans based on lending guidelines. Contacting brokers and partners to gather information to make appropriate decisions and explain rational behind credit decisions.

MANAGEMENT:

Team Manager of 18 wholesale mortgage processors and support personnel (FHA/VA case number process, pre-funding VOE process, HMDA review process) Operations Manager a team of 12 -20 associates (including remote associates) responsible for researching and analyzing Platinum & Preferred customer complaints and escalations regarding mortgage qualification and originations and working directly with various lines of business to ensure satisfactory resolutions.

Team Manager of 9 mortgage underwriters responsible for evaluating investor repurchase requests on funded/closed loans to ensure adherence to policies and guidelines. Identified as a liaison for senior leadership and executives. COMMUNICATION:

Developed leader with excellent interpersonal skills who interacts well with individuals from diverse cultures and at all professional levels.

Proven ability to effectively understand, communicate and implement changes as driven by policy, procedural, and technological changes and evaluate the impact of change to current processes while adhering to state and federal regulations.

Chosen leader for special projects to provide insight and develop plans for remediation. COORDINATION:

Responsible for training and developing inexperienced associates in mortgage originations and fulfillment processes/procedures while continuing to develop experienced associates. Proven champion of internal/external change resolution, able to ensure revised processes are followed while adhering to quality, production, and SLA requirements. Skilled at developing and maintaining success metrics to enhance efficiency and goals and drive process improvement.

Designed an interactive Team landing site that was adopted and implemented by multiple teams to ensure consistency.

PROFESSIONAL EMPLOYMENT:

MLB Residential Lending

Underwriter May 2022 - January 2023

Loan Depot

Underwriter III July 2020 - May 2022

Plaza Home Mortgage

CSR Team Lead April 2017- July 2020

Opus CMC

Underwriter September 2016 – April 2017

Bank of America, NA

Operations Manager March, 2014 – July 2016

Government Underwriter March 2009- March, 2014

EDUCATION

B.A., California University of Pennsylvania, California PA REFERENCES

Provided upon request.

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