Chad D. D. Email & Phone Number

Florida, United States

Responsible for auditing Fannie Mae, Freddie Mac, FHA, VA, USDA, and Non-Agency loans by reviewing credit, capacity, compliance, and collateral characteristics of the loan file to ensure they meet investor quality standards. Make an underwriting decision on each loan file within determined underwriting service level agreements and effectively communicate all underwriting decisions to the appropriate parties.

Jacksonville, Florida Area

Quality Control Auditor that completes re-underwriting reviews of closed mortgage loans. Capture loan data as specified in the Quality Control system and comment on any deficiencies as necessary and grade loan accordingly. Review loans that conform to Fannie Mae, Freddie Mac, FHA, and VA guidelines.

Remote

Responsible for review of mortgage loans files, including Conventional, FHA, VA, and USDA for completeness and accuracy. Analyze credit documents, including, mortgage applications, credit history, income documents, title documents, appraisals and all applicable compliance documents. Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other determining factors. Determine and document loan conditions and communicating any requirements and/or decisions through the chain of command. Identify portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure. Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, reviewing and learning any new business policies and/ or guidelines.

Jacksonville, Florida Area

Due diligence underwriting, portfolio analysis and compliance review projects. Conduct required due diligence underwriting of loan files submitted from various financial institutions (this includes reviewing loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents). Adhere to all client/lender policies and procedures, in addition to federal, state, and/or municipal laws and regulations within the due diligence process. Identify portfolio risks resulting from client's underlying business practices, underwriting and/or fraud exposure. Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines. A full RESPA compliance review completed on all loans.

Jacksonville, Florida Area

Special emphasis on fraud review and early payment defaults. Review loan application packages for completeness and accuracy. Confirm application information from the 1003 against other documents within the file: to validate employment, verifications, income, assets, etc. Identify underwriting/data discrepancies and other diligence issues. Verify and validate income, assets and liability documentation to support underwriting decision. Calculate and verify income structure (employment verification, tax returns, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). Review loans for compliance related items. TILA, ROR, and miscellaneous disclosures. Review and verify credit report (FICO pay history, debt validation). Review other real estate owned (i.e., disposition of property, rental income). Review appraisals to support value, determine flipping, comps are reasonable, etc. Familiar with fraud red flags and outside services used to determine or verify fraud.

Jacksonville, Florida Area

Reviews loan documentation, exceptions, and files- individually or in aggregate, to determine if programs, documentation are in compliance with internal company requirements, insurer guidelines, investorrequirements and regulations. Research, analyze, and interpret foreclosure and/or Bankruptcy process/policy questions and departmental procedures. Reviews and analyze trends, findings, and/or regulatory issues. Worked alongside with Office of the Comptroller of the Currency (OCC) in regards to compliance and rectify deficiencies. Documented responses for audit findings in a clear and concise format. Partner with attorneys/other department liaisons on more complex items. Provide Quality Control Reviews for assigned Case Workers. Strong written communication skills and proven success in problem analysis and resolution. Strong organizations skills and work in a deadline driven environment.

Jacksonville, Florida Area

Compiled and reviewed financial statements, tax returns, 4506T, bank statements, real estate contracts, W2 statements and property valuation reports into an organized, concise package for submission to FNMA and other Conventional Investors. Established contact with business partner to develop a working relationship to drive results quickly and efficiently. Compile numbers and scenarios to determine a Foreclosure vs. Short Sale in the interest of the investor. Submit short sale packages with financial documents to the MI companies as well as Investor’s for short sale approval. Prepare and record multiple spreadsheets for daily tracking of entire team’s production. Selected and participated in a monthly Focus Group.

Computer Information

Distinctive Regions High School Diploma