Mortgage underwriter

David “Michael” West 469-***-**** *.***********@*****.*** Irving, TX

www.linkedin.com/in/justmichael16

Professional Summary

Strategic mortgage professional with extensive experience in originations and loss mitigation, including processing, underwriting, and closing. Proven ability to lead teams, manage complex projects, and drive operational efficiency while ensuring regulatory compliance and exceptional customer service.

Top Achievement's

Saved JP Morgan Chase over $3 million by successfully challenging and the reversal of 31 out of 32 denied FHA claims with the investor, preventing costly loan repurchases and demonstrating expert- level knowledge in loss mitigation and investor relations. Led remediation of high-risk mortgage files across originations and loss mitigation, uncovering and resolving over $5M in defective loans, including identifying fraud patterns that prevented future exposure and strengthened internal controls.

Core Skills

Project Management, Client Service, Process Improvement, Regulatory Compliance, Risk Management, Operational Management, Data Analysis, Communication, Claims Resolution, Loss Mitigation, REO, Property Preservation, Origination, High Net Worth, Tax Credits, Affordable Housing, CFPB, HUD, RESPA, TILA, ECOA, HMDA, Non-QM, Jumbo Loans, Commercial Loans, Remediation Loans, Escrow, Flood, Homeowners Insurance, PMI, MI, Partial Claims, HOA, Litigation, Bankruptcy, Military and Entities, Collateral Evaluation, Repossession, Credit Risk, Portfolio Management, Credit Decisioning, Charge Off Prevention, Skip Tracing, SCRA Systems & Software

Microsoft Office, Visio, Oracle, Pacer, Black Knight (MSP), Encompass, Empower, Loansphere, SQL, AS400, Jira, UAT, Aces, Loan Prospector, AUS, LOS, DU, LPA, LoanServ, Desktop Underwriter, HSSN, SMDU, WPII, Resolve, Paid, Total MI, Workout Prospector, FHA Connection, EVARS, CAIVRS, VALERI, LINC, CRS, I-Top, Indigo

Professional Experience

Senior Underwriter Operations Leader

Wells Fargo, Irving, TX — Feb 2025 – Present

• Analyze pay stubs, tax returns, expenses, credit reports, payment history, and borrower(s) financial to assess risk and recovery potential.

• Recommend actions such as payment arrangements, loan modifications, short sale, foreclosure, or charge-offs.

• Collaborate with collections, legal, and recovery teams for loss mitigation.

• Ensure compliance with internal policies and regulatory standards.

• Maintain thorough documentation of underwriting decisions and communications.

• Monitor portfolio performance and risk exposure.

• Negotiate repayment terms with borrowers when applicable. Loss Mitigation Underwriter

LoanDepot, Plano, TX — May 2023 – Dec 2024

• Verified income and assets across diverse loan types including FNMA, FHLMC, FHA, USDA, VA, and more.

• Exceeded monthly performance goals by 20% while maintaining compliance

• Performed skip tracing to verify occupancy.

• Ensured adherence to Treasury, Federal, State, and Investor requirements.

• Documented decisions and initiated communication regarding loan status. Business Analyst

Citi Private Bank Asset Wealth, Remote, TX — Feb 2021 – May 2023

• Evaluated loan documents and sent packages to the underwriting team.

• Managed insurance, disclosures, and appraisals throughout origination/loss mitigation.

• Ensured regulatory compliance including CFPB, TRID, HMDA, and Regulation B, O, X, Y,Z

• Executed decisions promptly to prevent audit issues.

• Reviewed quality control audits in multiple categories.

• Scheduled closings and coordinated with title agents. Project Manager

JPMorgan Chase & Co., Remote, TX — May 2020 – Dec 2020

• Directed multiple projects with cross-functional teams.

• Enhanced efficiency and compliance across departments.

• Improved operational decision-making and legal alignment by 94%

• Coordinated team responsibilities across origination and mitigation.

• Managed loan transfers, partial claims, and denial reviews. Loss Mitigation Supervisor

JPMorgan Chase & Co., Lewisville, TX — Aug 2017 – May 2020

• Led a team with coaching, development, and strategic task assignments.

• Partnered with Risk and Controls to close procedural gaps.

• Addressed complex legal inquiries and improved compliance procedures.

• Enhanced workforce efficiency through coverage management.

• Guided underwriters through complex regulatory transactions. Loss Mitigation Remediation Underwriter

JPMorgan Chase & Co., Lewisville, TX — Dec 2014 – Aug 2017

• Directed and supported remediation initiatives on mortgage loans across all investor types ensuring compliance with investor and regulatory compliance with underwriting standards.

• Led forensic underwriting reviews to identify misrepresentation, fraud risk and creditworthiness, discrepancies, coordinating directly with internal fraud and investor auditors to support repurchase defense strategy, investor appeals and quality assurance findings.

• Spearheaded cross-functional remediation efforts, integrating underwriting, servicing, and compliance teams to correct systematic issues and minimize investor exposure.

• Created underwriting workflows and training to reduce deficiencies, detect fraud, and ensure loan file integrity and implement process improvement platforms.

Loss Mitigation Closer/Funder

JPMorgan Chase & Co., Lewisville, TX — Nov 2013 – Dec 2014

• Reviewed loan closing packages including bankruptcy and litigation loans.

• Acted as intermediary between transaction parties.

• Ensured accuracy and completeness of disclosures.

• Resolved documentation issues for smooth closings. Short Sale & DIL Negotiator

JPMorgan Chase & Co., Lewisville, TX — Jul 2012 – Nov 2013

• Reviewed contracts and market values for investor approval.

• Negotiated offers to reduce losses and maximize recovery

• Verified relocation incentive eligibility.

• Ensured closing documentation accuracy.

Loss Mitigation Loan Processor

JPMorgan Chase & Co., Lewisville, TX — Sep 2011 – Jul 2012

• Collected investor-required documentation.

• Reviewed title and appraisal reports.

• Provided process guidance to clients and authorized parties.

• Improved documentation tracking and review efficiency. Education

Certified Associate of Project Management — University of Houston Texas Real Estate Commission License (Inactive)

MacArthur High School — Class of 2006

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