Risk Assessment Mortgage Underwriter

MARC E. ISRAEL

BETHESDA, MD ***** 301-***-**** *************@*****.***

Highly accomplished and purposeful Mortgage Underwriter with over 15 years of progressive experience in residential mortgage lending. Demonstrated expertise in Conventional, FHA, VA, and Portfolio loan underwriting with full DE and LAPP authority. Recognized for exceptional analytical skills, high-volume productivity, and a consistent record of delivering accurate, compliant, and investor-ready loan decisions. Adept at leading underwriting transformations, training teams, and optimizing workflows in both delegated and non-delegated environments. Proven ability to thrive in remote, fast-paced, and highly structured settings while maintaining superior quality and communication standards. EDUCATION

Ithaca College, Ithaca, NY - Bachelor of Science in Business Management SKILLS

• Loan Origination Systems: Encompass360, Calyx Point, Lenders Office, UniFi, Empower

• Automated Underwriting: DU, LP, MAVENT

• Productivity Tools: Microsoft Word, Excel, Outlook

• Expertise:

• Lending & Underwriting Guidelines

• Credit & Income Analysis

• Risk Assessment

• Loan-to-Value & Debt-to-Income Ratios

• Conforming & Nonconforming Loans

• Manual Underwriting

• VA Appraisal Review

• Technical Writing

• Remote Underwriting

CERTIFICATIONS

• SAR ID: 023624

• CHUMS ID: GM24

• NMLS: 939814

WORK EXPERIENCE

Hometown Lenders, Inc May 2022 - November 2022

Underwriter III

• Personally recruited to support the Mokena, IL branch, the highest-producing branch nationwide—for remote underwriting.

• Served as Branch Underwriter in a high-volume, fast-paced, and highly structured environment.

• Conducted systematic and independent reviews of Conventional and FHA loans, with a strong focus on purchase and first-time homebuyer loans.

• Issued Conditional Loan Approvals to facilitate borrower documentation collection and ensure compliance with investor and government requirements.

• Issued Final Loan Approvals and prepared complete loan packages for Closing, ensuring readiness for purchase.

• Ranked in the top three underwriters’ company-wide after just one month of training.

• Collaborated with Quality Control to ensure efficient and effective responses, resulting in successful loan purchases.

The Mortgage Link, Inc April 2020 - April 2022

Underwriter

• Key contributor in transforming a non-delegated underwriting branch into a fully delegated in-house operation.

• Trained new team members on workflow processes and best practices.

• Underwrite Conventional, VA, and FHA loans with a focus on purchases and first-time buyers.

• Issued Conditional and Final Loan Approvals, ensuring compliance and readiness for Closing.

• Supported the Closing department by creating automated stacking orders and assisting with post- closing issues.

• Customized Encompass/Ellie Mae platform to meet branch-specific needs.

• Worked closely with Quality Control to ensure compliance and successful loan purchases. Navy Federal Credit Union 2017 - March 2020

Underwriter III

• Underwrote Conforming, Portfolio, VA, and Equity loans with full authority, including self-employed borrower analysis and VA LAPP reviews.

• Founded and led “The Bridge,” an interdepartmental platform focused on communication, best practices, and workflow optimization.

• Served on the committee to address interdepartmental challenges, redefine rush processes, and revamp submission templates.

• Received “Exceeds Expectations” in 2019 annual review for volume, quality, and communication— earned an 18% bonus (salary 125%).

• Ensured audit readiness and compliance with FHA, VA, and internal standards.

• Issued Conditional and Final Loan Approvals, preparing loans for Closing and purchase. First Guaranty Mortgage Corporation August 2013 - February 2017 Remote DE Hybrid-Underwriter

• Specialized in FHA Streamline, VA IRRRL, and Conventional refinance loans for a national lender.

• Authored and maintained the Standard Operating Procedure Manual for the Servicing Center Division.

• Issued Conditional and Final Loan Approvals, ensuring compliance and readiness for purchase.

• Closed to ninety-four loans per month, consistently ranking as a top producer.

• Passed the NMLS SAFE MLO Test (2/10/2016), becoming the only NMLS-licensed underwriter in Kentucky for FGMC.

• Created job aids and a pipeline management system adopted across all retail departments.

• Trained management on FHA Streamline and VA IRRRL workflows. First Choice Loan Services July 2012, 2012 - July 2013 DE Underwriter

• Underwrite Fannie Mae DU Refi-Plus, Freddie Mac Open Access, and FHA loans with minimal QC issues.

• Managed production and coordinated the sale of unsold branch loans with major banks.

• Issued Conditional and Final Loan Approvals, ensuring compliance and readiness for Closing.

• Took over Post-Closing and Shipping responsibilities, streamlining operations using Encompass360 and internal databases.

PROFESSIONAL AFFILIATIONS

2015-2016 Luxmanor Elementary School - Variety Show Chairman 1998-2006 Fairfax County Boys 14-15 Select Travel League - Arlington County Assistant Coach

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