Christopher White Email & Phone Number

United States

Ann Arbor, Michigan, United States

Spearheaded the underwriting of Conventional, FHA, VA, and USDA/RD mortgages by reviewing 60+ applications per month, verifying the accuracy, consistency, and completeness of all information. Performed risk analysis by reviewing tax returns, income statements, and collateral to determine loan-to-value and debt-to-income ratios, while identifying potential fraud or misrepresentation.Notable Accomplishments:• Underwrote and processed 1800+ loans valued at over $1B+, while maintaining sound knowledge of available loan products and compliance with regulatory guidelines.• Determined borrower eligibility while focusing on the underwriting of GSE and Bond Loans, both automated and manually underwritten, reaching a 95% loan approve rate.• Earned SAR/LAPP Designation from Veteran Administration.• Acquired training and passed audits to underwrite CHENOA, Indiana Housing, Illinois Housing, and Hoosier Home loan products.

Ann Arbor, Michigan, United States

Member of a specialized, four-person team of underwriters assigned specifically to underwrite USDA/RD Loans. Collaborated with directors, loan officers, processors, and branch managers to analyze complex loans and complete daily assigned tasks to meet target deadlines. Notable Accomplishments:• Acquired training and passed audits to underwrite USDA/RD Non-streamlined, Streamlined and Streamlined Assist loans. • Participated in knowledge-sharing activities by mentoring underwriters to strengthen their knowledge of borrowing guidelines, improve underwriting deficiencies, and reduce calculation errors.

Troy, Michigan, United States

Underwriting of Conventional, Non-Conforming, FHA, and USDA/RD mortgages by reviewing 60+ applications per month for accuracy, consistency, and completeness of all information. Performed risk analysis by reviewing tax returns, income statements, and collateral to determine loan-to-value and debt-to-income ratios, while identifying potential fraud or misrepresentation.Notable Accomplishments:• Led the underwriting of over $50MM in Conventional, Non-Conforming, FHA, and USDA/RD mortgages, including Construction and Piggyback Second Loans for Agencies and Private Investors. • Achieved 100% of production goals by consistently turning around applications with timely approval or denial decisions, while delivering exceptional customer service.• Earned DE designation from Federal Housing Administration. • Acquired training and passed audits to underwrite USDA/RD Purchase Products.

Troy, Michigan, United States

Underwrote Conventional mortgages through the Wholesale Lending Channel and Retail Channel monthly and cooperated with Mortgage Brokers, Account Executives, and Management to facilitate expeditious approval processes.Notable Accomplishments:• Oversaw a 60+ portfolio of Conforming through the Wholesale Lending Channel and Retail Channel monthly.

Ann Arbor, Michigan, United States

Member of a group Auditors responsible for post-closing audits of loans underwritten through Correspondent, Retail, and Correspondent lending channels. Other responsibilities included the review of loans that were in Early Payment Default to verify guidelines and compliance was followed. Resolved audit issues by establishing strong rapport and solidifying positive communication with both external and internal business partners.Notable Accomplishments:• Achieved no less than a 95% error rate by mentoring, auditing, and training 37 offshore Underwriters. • Assigned to be the main point of contact with investors for periodic onsite and remote audits and to defend from repurchase demands.

Ann Arbor, Michigan, United States

Oversaw weekly analysis and reporting of loan defects to senior leadership while working with customers to remedy those defects. Worked with subordinate underwriters by mentoring and offering guidance to maintain their assigned workflow and serve as the point of contact for escalations. Notable Accomplishments:• Recognized as Subject Matter Expert of niche loan product by the Company.• Collaborated in building and implementing a new database to streamline the underwriting process for niche loan program increasing staff productivity and improving customer communication.