Arthur Cunningham Email & Phone Number

Remote

Dallas/Fort Worth Area

• Conducted forensic review and fraud detection analysis of all documentation on post-closing loan files, investigating any fraudulent activity or discrepancies with loan transactions. DU, LP and Manual loans were also included for review.• Responsible for examining closed loan files and documents on FHA and Conventional loans to assess completeness and accuracy as well as compliance with the appropriate guidelines.• Re-underwrite completed or closed loan files and/or review and respond… Show more • Conducted forensic review and fraud detection analysis of all documentation on post-closing loan files, investigating any fraudulent activity or discrepancies with loan transactions. DU, LP and Manual loans were also included for review.• Responsible for examining closed loan files and documents on FHA and Conventional loans to assess completeness and accuracy as well as compliance with the appropriate guidelines.• Re-underwrite completed or closed loan files and/or review and respond to specific allegations of deficiencies.• Provided expertise on the applicable guidelines and regulations pertinent to the loan assessment process. • Ensured compliance including Truth-in-Lending, RESPA, HMDA, and ECOA associated with company program underwriting guidelines. Show less

Richardson, Tx

• Conducted compliance analysis and documentation review. • Identified and verified exceptions reports within files and prepare reports and findings.• Perform detailed research to determine fraudulent activity or discrepancies with loan transactions.• Working knowledge of residential mortgage lending and laws governing residential mortgages.• Solid written and oral communication skills. • Strong research skills and ability to process and analyze data.• Conducting… Show more • Conducted compliance analysis and documentation review. • Identified and verified exceptions reports within files and prepare reports and findings.• Perform detailed research to determine fraudulent activity or discrepancies with loan transactions.• Working knowledge of residential mortgage lending and laws governing residential mortgages.• Solid written and oral communication skills. • Strong research skills and ability to process and analyze data.• Conducting enhanced due diligence, transaction activity reviews, and negative media searches and documenting findings in accordance with approved policies and procedure. Show less

Travel/Rempte

• Performed risk analysis and due diligence review on client’s mortgage loan files.• Made appropriate and intelligent decisions to identify deficiencies and fraud through a forensic and detailed review of each mortgage loan file, ultimately determining if the loan was adhered to all company guidelines.• Analyzed property evaluations and ratios to determine loan qualifications.• Maintained a thorough understanding of underwriting policies and procedures including investor guidelines… Show more • Performed risk analysis and due diligence review on client’s mortgage loan files.• Made appropriate and intelligent decisions to identify deficiencies and fraud through a forensic and detailed review of each mortgage loan file, ultimately determining if the loan was adhered to all company guidelines.• Analyzed property evaluations and ratios to determine loan qualifications.• Maintained a thorough understanding of underwriting policies and procedures including investor guidelines and regulatory updates.• Calculated income using paycheck stubs, award letters, bank statements, P&L's and tax returns and asset dissipation.• Identified all red flags of misrepresentations of the borrowers’ credit, income, assets and collateral.• Communicated credit risk of loans to management while exceeding all production and quality expectations. Show less

Dallas/Fort Worth Area

• Adhered to general work requirements.• Managed day to day workflow and provided exemplary customer service while communicating decision to brokers.• Completed thorough analysis of loan files to determine compliance with company and agency guidelines.• Reviewed all conditions within posted turn times.• Reviewed and confirmed borrowers’ assets, appraisals, preliminary title work and purchase contracts• Calculated income based on tax returns and/or other income documentation… Show more • Adhered to general work requirements.• Managed day to day workflow and provided exemplary customer service while communicating decision to brokers.• Completed thorough analysis of loan files to determine compliance with company and agency guidelines.• Reviewed all conditions within posted turn times.• Reviewed and confirmed borrowers’ assets, appraisals, preliminary title work and purchase contracts• Calculated income based on tax returns and/or other income documentation provided. • Exceeded minimum productivity of 4 loans per day.• Communicated decisions (written and verbal) to all parties (specifically brokers and sales partners as appropriate) and built relationships with both internal and external partners. Show less

Dallas/Fort Worth Area

• Conducted forensic review and fraud detection analysis of all documentation on post-closing loan files, investigating any fraudulent activity or discrepancies with loan transactions. DU, LP and Manual loans were also included for review.• Responsible for examining closed loan files and documents on FHA and Conventional loans to assess completeness and accuracy as well as compliance with the appropriate guidelines.• Re-underwrite completed or closed loan files and/or review and respond… Show more • Conducted forensic review and fraud detection analysis of all documentation on post-closing loan files, investigating any fraudulent activity or discrepancies with loan transactions. DU, LP and Manual loans were also included for review.• Responsible for examining closed loan files and documents on FHA and Conventional loans to assess completeness and accuracy as well as compliance with the appropriate guidelines.• Re-underwrite completed or closed loan files and/or review and respond to specific allegations of deficiencies• Providing expertise on the applicable guidelines and regulations pertinent to the loan assessment process.• Ensured compliance including Truth-in-Lending, RESPA, HMDA, and ECOA associated with company program underwriting guidelines Show less

Dallas/Fort Worth Area

• Determined applicants credit worthiness by assessing financial situation & possible risk of default.• Identified misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation.• Re-underwrite completed or closed loan files and/or review and respond to specific allegations of deficiencies• Maintained ability to underwrite all times of loans including but not limited to Streamline, VA, FHA, Jumbo, conforming and non-conforming.• Provided… Show more • Determined applicants credit worthiness by assessing financial situation & possible risk of default.• Identified misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation.• Re-underwrite completed or closed loan files and/or review and respond to specific allegations of deficiencies• Maintained ability to underwrite all times of loans including but not limited to Streamline, VA, FHA, Jumbo, conforming and non-conforming.• Provided feedback to quality assurance and quality control partners providing analysis through routine statistical reporting. Show less

Dallas/Fort Worth Area

• Completed quality control reviews of residential loan files (FHA, VA, conventional, etc.) in accordance with the Quality Control Program and accepted quality control standards, including Broker loan audits and Fair Lending reviews. Adhered to Underwriting conditions and other key areas impacting salability and risk.• Completed reviews of all loan files pursuant to AUS findings or manual loan approvals. Generated scorecards to diagnose opportunities for quality improvement and… Show more • Completed quality control reviews of residential loan files (FHA, VA, conventional, etc.) in accordance with the Quality Control Program and accepted quality control standards, including Broker loan audits and Fair Lending reviews. Adhered to Underwriting conditions and other key areas impacting salability and risk.• Completed reviews of all loan files pursuant to AUS findings or manual loan approvals. Generated scorecards to diagnose opportunities for quality improvement and implementation of solutions.• Performed analysis of property appraisal values to determine if value is supported and meets all eligibility requirements.• Analyzed and recalculated, as required, all borrower income sources.• Performs analysis of borrower’s debt load and calculation of debt to income ratio.• Made determinations as to whether the loan elements are acceptable to the appropriate investor guidelines as well as sculpted repurchase letters for loans that was not of investment quality according to all Freddie Mac guidelines. Show less