Risk Assessment Mortgage Underwriter

Kurt B. Williams

Managing Mortgage Underwriter

Atlanta, GA, 770-***-****, ****************@*****.*** Professional summary

Managing Mortgage Underwriter with over 15 years of expertise in analyzing complex mortgage applications, ensuring adherence to underwriting guidelines and maintaining robust risk assessment protocols. Proficient in using advanced underwriting systems and skilled at distinguishing between first and second mortgage processes. Known for excellent analytical and communication skills, providing innovative solutions to challenging loan scenarios and adapting effectively in a dynamic financial environment. Deft at leading and managing others in an underwriting environment. Employment history

Underwriter Manager, 2022 - Present

Mortgage Loan Lending Co., Atlanta, GA

Remote Mortgage Banking Underwriter III, 2020 - 2022 JP Morgan Chase, Atlanta, GA

Manage the review, analysis and final determination process on loan submissions using automated and manual underwriting guidelines and validating recommendations.

Process high-value, complex mortgage applications through comprehensive document verification, credit analysis, and income calculation to determine lending viability.

Lead strategic underwriting decisions for complex QM, Non-QM and Jumbo loans while ensuring regulatory compliance and maintaining comprehensive risk assessment protocols. Partner with stakeholders to develop alternative lending solutions for challenging applications, fostering positive client relationships while maintaining risk standards.

Drive operational excellence in mortgage underwriting through streamlined processes, enhanced risk assessment methods and consistent guideline application.

Experienced with underwriting loans for QM Conventional, FHA, VA, FNMA, Freddie Mac, Non-Conventional, Non-QM Jumbo, DSCR, 1st & 2nd Lien Rate/Term Refinancing and Cash-out Refinancing, Self Employed borrowers, Tax Returns and Bank Statements For Income, Down Payment Assistance, Assets Annuitization, Portfolio. Provide training, guidance, and support for all team members. Evaluated mortgage applications using risk assessment protocols, processed high-volume underwriting decisions, and maintained strict compliance with lending guidelines.

Streamlined underwriting workflows by implementing manual and automated verification systems, reducing processing time while maintaining accuracy in credit risk assessment. Researched and responded to leadership on loans requiring additional escalation and review with the ability to summarize issues, concerns, and recommendations.

Conducted strategic loan evaluations and final determinations through comprehensive analysis of credit, income, and documentation, ensuring lending viability.

Implemented thorough loan analyses for escalated cases, delivering clear recommendations and risk assessments to senior leadership.

Facilitated seamless communication between internal teams and external vendors, resolving complex underwriting queries and submission deficiencies.

Underwriting experience included loans for QM Conventional FNMA, Freddie Mac, Non-Conventional, Non-QM Jumbo, 1st

& 2nd Lien Rate/Term Refinancing and Cash-out Refinancing, Self Employed borrowers, Tax Returns and Bank Statements For Income, Down Payment Assistance, Assets Annuitization and Portfolio. Remote Mortgage Underwriter, 2010 - 2017

BBVA Compass Bank, Atlanta, GA

Managing Broker/Underwriter, 2002 - 2006

Harvestyme Mortgage Company, Inc., Atlanta, GA

Mortgage Loan Originator, 1997 - 2000

Williams & Shaw Mortgage Company, Atlanta, GA

Skills

Strong leadership and managerial skillset. Experienced with AUS DU/LP, Imaging & Indexing, Encompass, E3/Blitz Docs, Lexis Nexis, Windows, Excel, Word, PowerPoint, Underwriting software and systems. Ability to differentiate between first and second mortgage underwriting. Excellent customer service and analytical skills. Excellent verbal and written communication skills. Ability to work independently and adapt to a constantly changing environment. Creative and innovative problem solver. Strong in risk assessment and document verification. Proficient in problem resolution & client collaboration.. Education

Bachelor's Degree in Business Administration with Minor in Marketing Morehouse College, Atlanta

2021

Ameritrain Mortgage Institute, Atlanta, GA

Conducted comprehensive mortgage underwriting assessments, evaluated appraisals, title documents, and trust agreements while maintaining strict compliance standards.

Analyzed complex mortgage applications and trust agreements, ensuring rigorous compliance with federal lending standards while maintaining quality control protocols.

Streamlined quality control processes for loan documentation, identified compliance gaps and implemented corrective measures to ensure funding requirements.

Provided technical guidance and support to leadership, facilitated smooth workflow transitions and resolved delivery challenges promptly.

Participated in the orientation of new personnel ensuring consistency and executed other support related duties as needed by leadership.

Underwriting experience included loans for QM Conventional FNMA, Freddie Mac, Non-Conventional, Non-QM Jumbo, 1st

& 2nd Lien Rate/Term Refinancing and Cash-out Refinancing, Self Employed borrowers, Tax Returns and Bank Statements For Income, Down Payment Assistance, Assets Annuitization and Portfolio. Proficient at evaluating & managing all elements of the loan process including: client services & retention, loan origination, processing, underwriting, contract negotiations, compliance, income/assets, appraisals, title commitments, credit, DTI ratios and LTV’s/ CLTV’s.

Validated all AUS (DU, LP, Clues) findings for accuracy and administered sound judgment in decision making. Approved or declined loans with a level 4C loan approval authority. Ensured all loans were underwritten to company/investor guidelines. Detected fraud i.e. (income/asset misrepresentation, value inflation, straw-buyers, non-arms length transactions). Managing Mortgage Broker skilled at client services & management, loan origination, processing, underwriting & contract negotiations.

Georgia Department of Banking & Finance Broker Licensee. Consistently increased Originations and annual loan volume. Built strong relationships with individuals and entities as a result of exceptionally well balanced interpersonal skill sets. Maintained the highest standard of quality client services. Originated conforming & non-conforming mortgages.

Educated prospective clients on loan programs, rates, policies, underwriting requirements and loan procedures. Processed customer applications, locked rates, quoted points and managed an extensive loan pipeline. Developed relationships with real estate professionals, builders and other business referral sources. Provided clients sound mortgage advice based on a full understanding of client’s needs and mortgage products and services offered.

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