TS

Timothy Sullivan

• *** Swann Trail Clayton, NC, 27527 United States • 919-***-**** • adx7t4@r.postjobfree.com NMLS ID# 2478311

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Summary

I bring in-depth understanding of underwriting policies and procedures, as well as a sharp eye for correctness and detail, as an expert and seasoned mortgage underwriter with DE (direct endorsement) and SAR (staff appraisal reviewer) certifications. I have a track record of continuously delivering top-notch work while lowering risk for the company. I am also skilled at analyzing intricate financial paperwork and determining a borrower's creditworthiness. My effective interpersonal abilities, together with my capacity to collaborate with loan officers and processors, guarantee prompt and efficient loan approvals while upholding adherence to all relevant policies and procedures.

Experience

Mortgage Underwriter DE/SAR, 09/2020 - 09/2022

Evolve Bank & Trust, Memphis, TN

Assessed financial means and desires of each client in order to set up appropriate mortgage packages.

Maintained compliance with company and regulatory policies.

Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.

Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.

Mortgage Underwriter DE/SAR, 05/2020 - 09/2020

United Community Bank, Greenville, SC

Requested additional information for applications and documents when necessary.

Analyzed loan risk and reviewed loan conditions and requirements.

Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.

Evaluated loans against portfolio and investor guidelines.

Mortgage Underwriter DE/SAR, 02/2015 - 05/2020

Cornerstone Home Lending f/k/a DNJ Gateway Bank Mortgage, Houston, TX

Determined loan eligibility and approved or rejected applications.

Resolved document mistakes and discrepancies and identified signs of fraudulent activity.

Collaborated with loan originators and processors to correctly review and assess applications and risks.

Researched applicant employment and financial histories to confirm document accuracy.

Reviewed and evaluated loan applications and supporting documents.

Mortgage Underwriter DE/SAR, 11/2012 - 10/2013

Primary Residential Mortgage, Salt Lake City, UT

Supported system administrators for loan origination software by maintaining loan product definitions and specifications.

Liaised with lenders, appraisers and other third parties to communicate needs and requirements.

Reviewed client documentation and contracts for discrepancies and mistakes.

Updated client account information and records in company databases.

Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.

Additional Experience

Primary Caregiver, Interim, Clayton, NC 10/201*-**-****

Mortgage Underwriter DE/SAR, Prime Mortgage Lending, Apex, NC

Contract Underwriter III, Suntrust/Accounting Principles, Durham, NC

Contract Modification Underwriter, Wells Fargo/Aerotek, Raleigh, NC

Branch Owner/Mortgage Broker, Buccaneer Mortgage, New Port Richey, FL

District Manager/Mortgage Broker, A-AAA Mortgage Loans & Investments

Branch Manager, Avco Financial Services, Pinellas Park, FL

3rd Party Collector, Merchants Association Collection Division, St. Pete, FL

Education and Training

High School Diploma

Hargrave Military Academy, Chatham, VA

Skills

Referral Network Development

Attention to Detail

Tax Liability Calculation

Loan Processing Coordination

Complaint Handling

Payment Schedule Computation

Loan File Maintenance

Problem Solving

Application Review

Automated Underwriting System (AUS)

Terms Definition

Creditworthiness Determination

Loan Feasibility Assessment

Credit History Review

Customer Relations

Wealth Planning

Loan File Review

Financial History Analysis

LexisNexis Software

Income Evaluation

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