David Hall Email & Phone Number

Orlando, Fl, Us

Orlando, Fl, Us

Remote

▪ Maintained signing authority for all conventional agency loans and FHA and performed a thorough analysis of applicant income and expense data, asset documentation, and credit. ▪ Executed underwriting and delivered decision-making to Desktop Underwriter (DU) and Loan Prospector (LP).▪ Collaborated on pilot teams for projects including express lane fast turnaround, cash offer, and verified pre-approval loans.

▪ Audited loan documentation and reported findings, calculated and verified income and assets, and evaluated credit reports, purchase contracts, appraisals, title commitments, and other pertinent loan documentation.▪ Scrutinized tax returns and financial statements for self-employed borrowers, partnerships, and S & C Corporations.▪ Underwrote complex Jumbo, Non-QM, and multi-family projects▪ Utilized AUS analysis to determine applicable loan conditions and reviewed collateral documentation for deficiencies

▪ Held the highest level of conventional underwriting authority with authorization to perform AUS and manual underwriting.▪ Underwrote all conventional products, including 97 percent LTV, high balance conforming, and other high-risk products.▪ Evaluated supporting documentation and accurately analyzed financial documents and credit bureau reports.▪ Calculated applicable ratios to determine affordability, credit utilization, and asset coverage to determine overall loan risk ▪ Trained and mentored new underwriters in passing their credit authority testing, assisted team members in clearing retail loss prevention and fraud alerts, and ensured exceptional turnaround time for loan approvals and closing dates.▪ Explained underwriting decisions and requirements to loan officers, supported Loan Officers with the restructuring of loans to reach approval, and led the underwriting team in approved/declined rates on initial risk review.▪ Oversaw loans ranging from minimum wage clientele to multimillion-dollar private banking assets in multiple states

▪ Assessed loan file components for detection of potential fraud and layered risk and exhibited knowledge of Master Agreements, contract exceptions, and variances for lenders, including Bank of America, Wells Fargo, Chase, etc. ▪ Practiced familiarity with multiple AUS, including CLUES, DU, and LP, calculated income and liability analysis, and examinedcollateral documentation. ▪ Serviced three major accounts (Fannie Mae, Freddie Mac, Radian) and adapted quickly to clients' expectations and needs.