Mortgage underwriter - all investor segments

GREG SCHLACKMAN

***********@************.***

FRISCO, TX 75036 (m) 720-***-****

Experienced lending professional seeking to make a substantial contribution to an organization by leveraging expertise in sales, communication, and analysis and pursuing a challenging role with career advancement.

QUALIFICATIONS

• 16 years of mortgage and credit lending experience while performing manual advanced income, credit and collateral analysis

• Experienced with FMNA and FHLMC guidelines, front-line underwriting and sales responsibilities

• Experienced with training junior underwriters and loan processors

• Proficient with Encompass, Lending QB, Octane, Calyx Point, as well as other proprietary systems

• NMLS# 991938

EXPERIENCE

NEXA Mortgage 07/2023 – Current

Mortgage Broker

• Responded promptly to leads from various sources, including internet, direct mail, radio, referrals, and special marketing campaigns.

• Facilitated the origination of first-time home purchases and refinance loans.

• Conducted thorough reviews of income documents for business owners, including forms 1065, 1120S, 1120C, K-1, and Schedule C.

• Handled mortgage loan applications via phone and crafted comprehensive loan proposals.

Gateway Bank 03/2022 – 07/2023

Loan Officer

• Converted and managed leads from online platforms, direct mail, radio ads, referrals, and targeted marketing efforts.

• Managed the process of originating new home mortgages and refinance transactions.

• Analyzed various income documentation from business owners, such as 1065, 1120S, 1120C, K-1, and Schedule C forms.

• Managed the processing of mortgage loan applications over the phone and developed detailed loan proposals.

Academy Mortgage Corporation 10/2020 – 03/2022

Loan Officer

• Addressed and followed up on company-generated leads through digital channels, mail, radio spots, and referral networks.

• Successfully originated and processed loans for first-time home buyers and refinancers.

• Evaluated income statements and tax documents for business clients, including 1065, 1120S, 1120C, K-1, and Schedule C.

GREG SCHLACKMAN

***********@************.***

FRISCO, TX 75036 (m) 720-***-****

• Processed loan applications telephonically and prepared persuasive loan proposals for clients.

Supreme Lending 01/2020 – 10/2020

Loan Officer

• Engaged with potential clients from diverse lead sources such as internet, direct mail, radio, and referrals to drive sales.

• Assisted clients with securing their first home mortgages and refinancing existing loans.

• Reviewed and verified income documentation for businesses, encompassing 1065, 1120S, 1120C, K-1, and Schedule C forms.

• Conducted phone-based processing of mortgage applications and created effective loan proposals.

Network Funding, LP 07/2017 – 12/2019

Loan Officer

• Utilized leads from various marketing channels—including internet, direct mail, and radio—to secure sales and expand client base.

• Oversaw the origination and approval of mortgage loans for initial home purchases and refinancing needs.

• Processed and assessed business income documents, including 1065, 1120S, 1120C, K-1, and Schedule C, for accuracy and compliance.

• Administered mortgage loan applications through phone interactions and generated impactful loan proposals.

Marcus & Millichap 09/2018 – 10/2019

Commercial Real Estate Broker

• Analyzed rent roll, expenses from P&L, and capital expenditures.

• Deferred maintenance to determine market value for what property would transact at

(for both owner/user & investment properties).

• Sold assets as value-add, stable or as land play.

• Assisted clients in finding suitable income generating/owner user properties to run their business from.

• Assisted sellers in promoting their properties to attract qualified buyers in a reasonable amount of time.

• Provided guidance on agreements, mortgages, and market prices.

• Coordinated exchanges of ownership.

• Assisted with negotiations between buyers and sellers.

• Managed a portfolio of rental properties.

• Fulfilled a range of marketing functions, e.g. promoting properties by listing, writing advertisements, or arranging viewings.

• Attended networking functions and occasional workshops. Freedom Mortgage Corporation 08/2015 – 07/2017

Mortgage Banker

GREG SCHLACKMAN

***********@************.***

FRISCO, TX 75036 (m) 720-***-****

• Sold by responding to company-provided leads in a timely manner from: internet, direct mail campaigns, radio ads, referrals or other special marketing campaigns.

• Originated first home mortgages and refinance loans.

• Engaged with consumers, determine their needs and offer the appropriate products.

• Processed mortgage loan applications by phone and prepare effective loan proposals. U.S. Bank Home Mortgage 10/2014 – 08/2015

Underwriting Support Analyst/ Corporate Loan Processor

• Performed initial underwrite for VA residual income and reviews file for compliance on all veterans’ documentation.

• Managed pipeline of about 40-50 loans monthly and communicates the status of all loans to each principal party involved.

• Responsible for processing of loans approved by an underwriter with higher signing authority or an automated decisioning system within designated signing authority limits (DU, LP, GUS).

• Responsible for clearing conditions and issuing changes to the terms on previously approved loans.

• Was responsible for but not limited to verifying conditions of approval which may include customer income/assets documentation.

• Met production, quality and service standards along with providing direct coaching and feedback to ensure quality.

• Reviewed loan packages to ensure compliance with investor guidelines and submit them to Underwriting for approval.

American Financing Corporation (AFC) 06/2013 – 10/2014 Underwriter/Program Coordinator

• Underwrote all investor segments on front line of process to provide full approval & pre-approval for purchase transactions that were not yet under contract (underwrote Manual/ Automated Conventional mortgage loans to determine credit worthiness, verifying loans were in compliance).

• Underwrote Conventional, Harp, and Purchase loans.

• Proficient with FNMA, FHLMC, VA, FHA, CHFA, NHF and USDA guidelines to ensure eligibility of borrowers’ applications.

• Evaluated the financial strength of borrower to determine.

• Cleared and managed conditions for DE LAPP underwriters. Bank of America (BAC) Home Loans 03/2009 – 05/2013 Consumer Lending Conventional Underwriter

• Credit signing authority level 3.

• Frontline and backend Underwriting, using the guidelines of FNMA (DU), FHLMC

(LP), experience of 4 years: Evaluates debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.

GREG SCHLACKMAN

***********@************.***

FRISCO, TX 75036 (m) 720-***-****

• Determining and documenting loan conditions and communicating requirements and/or decisions.

• Performed advanced income analysis including reviewing Self- employment, Corporate, and Partnerships tax returns.

• Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation.

• Underwrote HARP loans, conventional loans and non-conforming.

• Evaluated financial strength of borrowers to determine risk and repayment capacity. EDUCATION

RICHLAND COLLEGE – DALLAS, TX 2009

Associate of Arts, Communications

UNIVERSITY OF NORTH TEXAS – DENTON, TX

Radio/TV/Film Major

Contact this candidate