Christopher D. Email & Phone Number

Irving Texas

Thorough I understanding of underwriting policies and procedures including investor guidelines and regulatory updates.Proficient in FNMA, Freddie Mac, FHA, VA and/or USDA guidelinesReview Government or Agency Guideline AnnouncementsReview MI Company Guideline Updates, if applicableReview Investor Guideline updatesUpdate Nationstar Matrices with Guideline changesHandle Underwriting Support calls (from Underwriting Managers, Operations Managers and Processing Managers)Write and issue Underwriting Bulletins, FAQs and Product Central AnnouncementsDevelopment and maintain Corporate Underwriting Manual and Product CentralUnderwriting backup during peak times

Thorough understanding of underwriting policies and procedures including investor guidelines and regulatory updates.Proficient in FNMA, Freddie Mac, FHA, VA and/or USDA guidelinesReview accuracy of completed mortgage loan documents for targeted loan selections regarding compliance standards, red flags, re-verification analysis etc.Pull daily reports to manage file selection criteriaPerform multiple full mortgage loan file reviews daily to agency and investor standardsPrepare and distribute reports on file review results.Manage communication and inquiry regarding distributed reportsAssist with the ComplianceAssist in the reporting of Quality Control reviews and auditsAnalyze a variety of income and asset variables to assess loan quality and ensure appropriateness, business validity and salability Recommend enhancements to training curriculum based on audit results and identified deficiencies Provide assistance to regulators and auditors during times of annual reviewAssist with required documentation and/or reports associated with investor, agency, or regulator requestsPerform file reviews for HMDA purposes to assist with LAR filingPerform closed loan file reviews to provide an analysis of the post-closing reviews performedMaintain data, provide status and use various system platforms as well as web-based services. Utilize Microsoft applications to manage data with reporting functions.

Dallas, Texas

Portfolio Credit Analyst at Chase Commerce Solutions responsible for Credit Analysis of a portfolio of commercial merchant accounts that present the firm with the various amounts of risk. Helped minimize the credit risk and financial loss the merchant account provides to the firm, by performing a detailed financial statement analysis (balance sheet, income statement and statement of cash flows) based on key financial ratios extracted from private or public company financials (10K, 10Q); utilize Moody's financial spreading software for various financial analyses. I provided a formal narrative financial analysis (underwriting) of varying length on the financial statements provided by the company; a summary on company background, processing history, ownership and management.Conducted information gathering calls with merchants to obtain an overall understanding of the financial profile and to become familiar with shifts in the processing characteristics, business models or company structure.Conducted conference calls with existing merchants to communicate collateral implementations when needed (reserves, UCC, letters of credit, guarantees) Perform collateral reserve reviews upon merchant's request and recommends an increase, decrease or no change to the terms in place. Recommend or provide final decision and approval terms. Reviewed business model and processing characteristics for existing merchants to ensure and report on compliance with Payment Brand rules and regulations.

Examination of several different types of lending (conventional, government-backed, home equity, etc.).Examine residential loan modifications documentation for accuracy, completeness, income calculations, and coding and decision accuracy and compliance with appropriate company and secondary market investor standards.Responds to company, individual, and investor audits. Assists with fraud detection and prevention.Report and manage internal control gap issues and mitigation plans and risk management.

Dallas/Fort Worth Area

Negotiate loan financing strategies with internal support groups and to work directly with borrowers and approved third parties.Research and resolve inquires and problems related to negotiating loan agreements, delinquency, or operation issues.Repackage loan agreements or delinquency agreements to reschedule debt, and negotiate payoff schedule for imminent default or delinquent borrowers to determine the best financial solution for the company.Ensure title is clear for modification, verify arrears, formulate terms of repayment, and prepare files for modification.Create a profit and loss statement and repots, on borrowers and property accounts, for management.Communicate action recommendation, work progress and accomplishments or escalate unresolved issues. Facilitate the planning, execution and completion of special projects.

San Antonio, Texas Area

Originate high quality Conv., FHA, VA loans which meet WHFM guidelines while providing excellent customer service. Develop relationships with real estate professionals, builders, and other business referral sources. Develop knowledge of company products, policies and procedures, and underwriting requirements. Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures. Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk. Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in. Develop and maintain a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required.

As a Forensic Underwriter my responsibilities where but not limited to, the review of FHA, VA, FNMA and FHLMC loans, forensic and re-underwriting credit risk analysis; portfolio analysis and compliance review. Re-verification of credit loan documents for authenticity and the investigation of cases involving potential mortgage misrepresentations and/or fraud.Review closed loans for eligibility with respect to Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with lender partners.Perform risk analysis and make decision regarding deficiencies identified during the review process.Identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified.Accurately record data and review conclusions in QAS (Quality Assurance System)Professionally communicate the results of file reviews both verbally and in written format to internal and external customers.Maintain a sound knowledge of guidelines. Maintain a sound knowledge of secondary market activity, practices, and business/industry practices as they impact