Customer Service & Mortgage Underwriting Specialist

DAVIDTHOMAS

Auburndale, FL 863-***-**** **********@*****.***

Analytical, detailed oriented and an organized Mortgage Loan Underwriter and experience in the mortgage industry having various roles over the last several years. Collaborative team player with an ownership mentality and a track record of delivering the highest quality strategic solutions to resolve each challenge and propel business growth.

EXPERIENCE

May 2023-Present

RESULTS-CX * Member Advocate/Customer Service Representative * Lakeland, FL

• Working with a world wide Medicare Advantage Insurance firm to provide professional Medicare parts C & D services to current members & providers for information pertinent to their Medicare Advantage benefits.

• Providing a full range of services & information as it relates to their medical, dental, vision, pharmacy and other benefits according to their individual plan.

October 2023-February 2023

Kobie Marketing/Hiregy Inc. * Customer Loyalty Analyst. * Lakeland, FL

• Providing customers reward account information in a call center environment as to the potential redemption of their points for 9 different lines of business.

• Was recognized for having exemplary superior customer service empathy and problem solving.

March 2018-July 2022

SitusAMC, Inc. * Mortgage Loan QC Underwriter/Mortgage Loan Underwriter

** Tampa, FL

• Provided a Quality Control analysis and review for each mortgage loan to provide an accurate assessment as to the initial accuracy of the loan approval by the original underwriter.

• In providing an accurate and thorough analysis each loan was reviewed on the merits of the income, assets, home appraisal, employment, title commitment and tax returns both business and personal.

• Analyze all loans to verify if they are TRID compliant, meet all federal guidelines & are saleable per investor guidelines.

• Analyze all individual, partnership, corporation and 2-corp tax returns and all schedules including K-1’s.

• Experienced a promotion to the Quality Department as a Quality Control Underwriter Credit Services II on 11/15/2021

October 2017-March 2018

GTE Financial * Retail Mortgage Loan Processor * Tampa, FL

• Coordinated and communicated with each Loan Officer in verification of each mortgage loan submitted was accurate and complete for processing to submit to underwriting.

• Each Mortgage Loan was pre-underwritten to verify the accuracy of the Debt to Income ratios, Loan-to-Value, the loan program-ARM, Fixed or Balloon, gathering/analyzing of the mortgage loan documents for submission to underwriting for approval.

• Communicated with each client in the understanding of the loan process, their loan status and if any other documents were needed.

• Communicated with title companies, attorneys and insurance companies for VOE, VOI and closings.

January 2017-July 2017

USAA Federal Savings * Mortgage Loan Underwriter * Tampa, FL

• Analyze mortgage conventional loans for the review of a loan decision based on the Desktop Underwriting & company guidelines within the FMNA and FHLMC.

• Analyzed each mortgage loan submission to assess the accuracy of the income, assets credit based on the guidelines with FMNA and FHLMC. EDUCATION

August 1974-August 1976

Ozark Christian College

• GPA 3.0

SKILLS

• Attention to Detail

• Quality Control Underwriting

• Mortgage Loan Processing

• Frontline Underwriting

• Mortgage Support Manager

• Lead teams of 20+ people

• Underwriting Due

Diligence

• Exceptional

communication

• Create Training

Materials

• 20+ years in

Mortgage Industry

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