David Hitzel Email & Phone Number

Henderson, Nv, Us

Westlake Village, California, Us

I am a part of an elite underwriting team that works closely with mortgage brokers and correspondent clients. My primary responsibilities include direct communication with clients over the phone to address any questions, objections, and to find acceptable solutions while maintaining a positive attitude. We believe that understanding the customer's needs is the key to providing an exceptional experience. That's why we start by asking pertinent questions to gain a deeper understanding of their concerns and requirements. My goal is to ensure that each loan is of high quality and has the potential to perform well. I approach each review as a risk-based analysis, which means that I take into consideration all factors that may impact the loan's performance.

Corona, Ca, Us

I perform a thorough analysis of each loan to ensure its quality and compliance with company and investor guidelines. This involves using my expertise and experience to evaluate the borrower's creditworthiness, employment history, and income stability. Additionally, I use various resources such as Fannie Mae, Freddie Mac Selling Guides, FHA HUD Handbook 4000.1, VA Lender Handbook, and investor overlays to ensure that each loan is compliant with relevant guidelines. My goal is to ensure that each loan is of the highest quality possible, and I take great care in ensuring that all loans are compliant with the relevant regulations. By performing a comprehensive analysis of each loan, I am able to identify any potential issues and mitigate risks, which helps to ensure the long-term success of our lending program.

Costa Mesa, California, Us

As an underwriter, I am responsible for underwriting and making decisions regarding conforming, VA, FHA, and jumbo residential mortgages. This entails analyzing all necessary financial information and documentation to ensure that the loan file contains all necessary credit and legal documents. My role also includes reviewing appraisal reports to identify and resolve any discrepancies discovered within. I perform a thorough analysis of the applicant's income and expense data, asset documentation, credit reports, and property valuations to affirm that the borrower qualifies for a loan. To do this, I calculate qualifying ratios, determine creditworthiness, and provide opinions based on my analysis. My goal is to ensure that each loan is of the highest quality possible, and I take great care in ensuring that all loans are compliant with the relevant regulations. I am proud to say that my dedication to my work has been recognized, as I finished in the top five for underwriting decisions for the calendar year 2021. This achievement is a testament to my commitment to providing the highest quality of service to our clients and to my expertise in the field of underwriting.

Atlanta, Georgia, Us

As a customer relations specialist at Groundfloor, my primary responsibility was to develop and maintain strong and sustainable customer relationships. Responsible for training customers on our products, processes, and services to ensure customer satisfaction. Another crucial aspect of my role was conducting sales calls to prospective customers. I was required to introduce Groundfloor, develop a profile, provide a value proposition, and document the results using the company client relationship management tool. As the main point of contact throughout the loan process for both customers and the company, I had to ensure timely communication and efficient handling of customer queries and concerns. I was also responsible for closing loans from leads that were provided as well as self-generated. To succeed in this role, I was required to maintain a pipeline of 30+ loans at various volume levels. I was responsible for ensuring the timely movement and closing of approved loans through the pipeline. As part of your duties, you must take incoming calls, generate interest in the company, and qualify leads.

Tulsa, Ok, Us

In my previous role, I was responsible for issuing prudent lending decisions while following HUD guidelines for HECM mortgage loan products. I communicated clear and sound decisions to the wholesale lending department and was proficient in researching and interpreting guidelines. Additionally, I audited loan files for accuracy and compliance with HUD and company overlays to ensure that the loan products were of high quality. Moreover, I participated in a leadership role within the wholesale team to maintain production requirements and quality loan product. I also resolved loan-level file issues and worked closely with Mortgage Operations to identify opportunities to improve operations and employee efficiency. Furthermore, I was responsible for training, coaching, and providing feedback to new hires to ensure that they were well-equipped to handle their roles and responsibilities.

Newport Beach, California, Us

As a loan reviewer, I possess a keen ability to meticulously review all loan components in the file to ensure their completeness, accuracy, and integrity. I uphold the company and industry guidelines while maintaining consistency across the documents. I also examine transaction and investor manuals to ensure compliance with all investor guidelines, and implement and enforce fraud detection techniques to ensure that all information provided is accurate and genuine. My effective communication and proactive approach enables me to engage with loan agents, processors, funders, and post-closers regarding loan decisions and review assignment of loan conditions, investor guidelines/documentation requirements, and possible loan scenarios. I also assist the post-closing department in resolving pre-purchase loan deficiencies by making necessary file corrections and retrieving loan suspense conditions

Irvine, Ca, Us

As an analyst, I was responsible for analyzing credit, income, assets, title, and collateral to meet company guidelines for refinance or purchase transactions. I reviewed files for potential fraud, cleared inconsistencies, and ensured the salability of loans. In addition, I prepared written credit recommendations on a variety of real estate transactions for residential loans. This involved performing manual underwriting of non-QM wholesale, retail, and correspondent loans along with loans outside of Dodd-Frank. My expertise in underwriting and analyzing loan files enabled me to identify potential risks and ensure that the loan products met the company's guidelines

Project Management

Bachelor Of Science (B.S.), Economics