Byron Davis Email & Phone Number

Flower Mound, Tx, Us

Flower Mound, Texas, United States

• Successfully originated, processed, and closed a high volume of mortgage loans, specializing in Jumbo, conventional, FHA, VA, USDA, and other exotic non-conventional loan programs• Built and maintained strong relationships with borrowers, real estate agents, and other industry professionals to generate referral business and exceed sales targets.• Conducted through pre-qualification assessments, analyzed financial information, and educated borrowers on the best mortgage programs based on their individual needs and goals.• Collaborated with underwriters, processors, and other internal teams to expedite loan approvals and facilitate smooth and efficient transactions. • Consistently achieved high customer satisfaction ratings by providing clear and concise communication, addressing concerns, over communicating, and delivering on commitments. • Actively participated in networking events, real estate industry functions, and cold calling to expand my referral network and generate new business opportunities.

Dallas

• Managed ultrahigh net worth mortgage lending transaction processes, including Private Wealth Management clients, AYCO Division clients, and internal employee clients.• Provided comprehensive oversight for regional multi state mortgage operations including processing, underwriting, risk management, and closing/funding: $1.5B average annual funding, $2M average loan.• Specialized in bank lending solutions, asset-based lending solutions, tax efficient strategies, structuring and restructuring loans, client facing strategies, relationship and portfolio management to fulfill client goals.• Achieved 100% on time efficiency in comprehensive pipeline management of no less than $40M monthly.• Contributed to over $25M annually in mortgage originations acquired through AYCO collaborations and employee loan applications.

Dallas/Fort Worth Area

Conventional SASE Level 6 underwriter currently supporting a very high risk and complex segment of mortgage underwriting and analysis primarily with $1million+ loan amounts. Perform in depth individual and corporate tax return analysis for self employed applicants and/or executives with layered ownership interests in multiple companies and or entities. Complex asset review due to higher net worth borrowers with multiple sources and percentages of liquidity including cash, vested stock shares, unvested restricted stock, multiple retirement vehicles and equity ownership interest that must be utilized for qualifying purposes using different qualifying guidelines. Conduct intermediate and advanced underwriter training. Provide coaching and mentorship for underwriters seeking higher signing authority.

Dallas/Fort Worth Area

Responsibilities included manually underwriting more complex mortgage insurance loan and assisted with jumbo loan submissions ensuring they meet both company and investor guidelines. Evaluated loans to maximize company profit and minimize company risk exposure. Reviewed complex borrower profiles, tax returns, title reports, credit reports, appraisal reports, & income / asset documentation. Analyzed special conditions, loan deficiencies and exception requests to determine the appropriate action. Identified and recommended alternative loan products and/or re-structuring solutions. Assisted bank and branch personnel with technical underwriting issues, problems, and/or programs software questions.

Dallas/Fort Worth Area

Responsibilities included manual underwriting Conforming loans , mortgage insurance loans, & non-conforming loans up to 1.5 million. Reviewing appraisals for accuracy & assistance the underwriter help desk with underwriting issues. Identified and recommended alternative loan products and/or re-structuring solutions to brokers on the best programs available for their clients. Trained & mentored new hires on company guidelines, programs, & software systems. Made final decisions on all loan approvals, ensured quality of all loan decisions and rendered the loan sellable to the secondary market. Reviewed and responded to all quality control audits and exceptions requests. -Awarded Wholesale Lending Division Regional Top Producer five times in 2006 & four times in 2007.-Consistently averaged in the Top 10 producers among all Wholesale Lending Division Underwriters.-Selected by management to review, respond, & rebut investor loan purchase backs for the wholesale division.

Dallas/Fort Worth Area

Promoted and marketed communication services to medium and large corporations in the Southwest Region. Products ranged from managed and complex Web Hosting to Enterprise and Wholesale Voice and Data, and Internet Services. Analyzed and suggested improvements for corporate communication networks resulting in increased productivity and decreased costs. Developed, presented, and negotiated contract with VP level executives. Developed lucrative business relationships with prospective and existing clients. Generated own leads through face-to-face cold calling, telemarketing, and networking.