South Windsor, Connecticut ***** 203-***-**** ady8to@r.postjobfree.com WWW: Bold Profile

JAMES MCARDLE

Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Senior Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. PROFESSIONAL

SUMMARY

SKILLS ● Customer Relations

● Desktop Underwriter

● Loan Product Knowledge

Automated Underwriting

Systems

●

● Credit History Review

● Government Lending

● Financial History Analysis

● Loan Restructuring

MORTGAGE UNDERWRITER 02/2016 to 01/2023

Carrington Mortgage, 1600 South Douglass Road, Anaheim, CA 92806 MORTGAGE UNDERWRITER 06/2012 to 01/2016

First Alliance Lending, East Hartford, CT

MORTGAGE UNDERWRITER 03/2010 to 06/2012

Peoples United Bank, Bridgeport, CT

WORK HISTORY

● Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

●

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

●

● Specialized in FHA short refinance programs

Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

●

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

●

Applied grades to each loan application based on established criteria to keep institutional risk low.

●

● Maintained mortgage program compliance with federal agencies such as HUD

● Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

●

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

●

Westchester Community College, Valhalla, NY

Associate of Arts, Banking, 06/1993

EDUCATION