Casey Ayers Email & Phone Number

United States

Remote

Hired to spearhead the Non-QM/Portfolio loan product in the Portfolio loan division as one of the first Manual Underwriters before progressing into roles of increasing knowledge and influence. Evaluate and manually underwrite loan packages for approval or denial based upon guidelines. Analyze documentation pertaining to credit, income, financial.

Provided evaluation and manual underwriting for loan package approval or denial based upon relevant guidelines. Performed and maintained general underwriting duties pertaining to credit analysis, personal/business tax return assessments, and more. Coordinated the full underwriting of credit packages which allowed personalized follow-through with Loan.

✔ Hired as a Conventional Underwriter and gained Direct Endorsement FHA underwriting authority which set the framework for a launch into the Government Underwriting realm.✔Gained Staff Appraisal Reviewer V.A. Authority to sign off on V.A. Appraisals.

Bank Of America

✔ Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability. ✔ Achieved the second-highest loan-funding rate (totaling $12.8M in FY 2013) among a 14-member underwriting team. ✔ Ensured loan submittals met internal and external eligibility requirements. ✔.

Saint Charles, MO

✔ Support real estate attorneys, foreclosure law firms, and title companies throughout the United States. ✔ Managed a group 8 in all aspects of the business needs. ✔ Research and clear all title work to ensure title is properly recorded at the time of closing. ✔ Abstract, examine, identify and cure title defects.✔ Map legal descriptions, title production.

Saint Louis, MO

✔ Review and analyze income, appraisal/property evaluations, title examinations, credit reports and other supporting documentation.✔ Review and resolve underwriting issues with mortgage brokers/vendors.✔ Maintain loan files input data per established policies and procedures. ✔ Verify final closing requests, maintain loans in process and provide.

Saint Louis, MO

✔ Underwriting and processing of correspondent loans for purchase by investors. ✔ Maintained a dynamic dialogue with senior management and an active role in evaluating and structuring transactions, utilizing Fannie Mae and Freddie Mac lender guidelines with signing authority up to $1.5M, averaging 8 to 12 files per day.✔ Manage processing staff and develop.