David Odle Email & Phone Number

East Providence/And At Home

Obtained 2 Million sign-off along with Expanded Exception Authority. *FHA/VA/Bond programs/Portfolio/Conventional/CTP/CRA loans*Lead MHP underwriter helping Citizens to be the #1 lender with the MHP program in 2018*Consistently in top tier of 110 underwriters in production/quality month over month.*Named to Credo Honor Roll for providing exceptional customer service to processing/Loan Officers and other underwriters and in Citizens Home Mortgage Winner's Circle

Remote

East Providence, Ri

Underwrite mortgage loans in conformance with FHA/VA/FNMA/FHLMC/Connecticut Housing/RI Housing/Massachusetts Housing Partnership guidelines, also within bank defined parameters. Types of loans underwritten: VA (have SARS)FHA (have DE)Regular Conventional-Freddie & Fannie. PortfolioConstruction and Homestyle Renovation.Community Reinvestment Act. Massachusetts Housing PartnershipRhode Island HousingConnecticut HousingHARP Freddie Relief and Fannie Mae Refi Plus.AdjustableJumbo and High BalanceLoans are either underwritten manually or utilizing LP/DU depending on product type/programFHA DE and VA SAR underwriter$1,000,000 sign off

Home

* Comprehensive review of scratch and dent mortgage portfolios for buy side investors to minimize risk exposure* Full Credit/Compliance review of recently underwritten loans to gauge conformity to Fannie, Freddie FHA guidelines

Warwick, Ri

* Reviewed submitted files to analyze for Capacity, Capital, Character and Condition* Examined and underwrote conventional mortgage loans to ensure soundness, business value and compliance with secondary markets, investor and bank standards* Ensured conformance with FHA/FNMA/FHLMC and bank program and product specifications or counteroffer to a different product/and or program when appropriate * Communicated proactively with loan officers on scenarios, decisions and underwriting guidelines* Led by becoming point person for guideline updates and for scheduling training webinars$750,000 sign off

East Providence

* Earned $100,000 sign-off on HELOCS, $20,000 sign-off on used autos and $10,000 unsecured loan sign-off by reviewing, analyzing and rendering credit decisions for consumer lending accurately and thoroughly

East Providence, Ri

Underwriter III (2004-2007)* Determined correct program, best risk grade and interest rate for borrowers* Approved loans within lending authority by stipulating required funding conditions* Issued loan suspensions pending receipt of additional documentation and denials of loans not complying with Company and regulatory standards, policies and practices* Derived income figures for self employed borrowers from business/corporate tax returns, profit and loss statements and business bank statements* Prepared credit proposals for guideline exceptions* Prevented fraudulent misrepresentation by attention to detail* Earned $750,000 solo sign-off by making aggressive yet financially sound judgments* Audited and reviewed for quality assurance junior underwriters loans* Contributed to the branch consistently exceeding company expectations in overall loan defaultsAccount Manager III (Loan Processor) (2002-2004)* Acted as a liaison between brokers, borrowers, underwriting and closing agents* Reviewed, analyzed and signed off on titles, appraisal conditions,and income documentation to qualify borrowers per investor guidelines

Columbus, Oh

Consumer Lending Underwriter - Loan by Phone (1998-1999)* Underwrote unsecured loans varying from $1,000 to $20,000* Obtained $10,000 solo sign-off on unsecured loansMortgage Processer III - Home Loan Services (1999-2001)* Signed off on income docs (including personal and business tax returns), appraisals, title examinations and other supporting loan documentation* Resolved conflicts between lender/underwriter, vendors, and mortgage brokers* Recipient of coveted Sales Leader Award: instrumental team player in exceeding expectations by funding over 6 million dollars monthlyInvestment Sales Coordinator- Licensed Bank Support (2001-2002)* Obtained NASD Series 6, 63, 7 Licenses* Disseminated information to the bankers to promote autonomy and increase production and sales* Facilitated the interaction between investment representatives and their clients, in all aspects of the brokerage business including IRAs, trusts, UGMAS, investment regulations, account transfers* Provided assistance in account core operations, such as trade corrections, balances, fee adjustments, etc

Westerville, Oh

Company Liaison (1997-1998)* Coordinated operations between three companies (UPS, OSI, and BGB), including auditing of payment report and resolution of policy differences* Participated in special departmental assignments and/or projects* Instrumental in the start-up of the new project with UPSLarge Balance Coordinator (1996-1997)* Developed and integrated a process to help decrease DRO (days revenue outstanding)* Concentrated accounts receivable efforts on the largest outstanding accounts* Managed reports, resolve billing conflicts and collaborated with management on a weekly basis to reduce delinquencyAccounts Receivable Representative (1996)* Suspended and resumed credit for UPS shipping accounts* Handled billing disputes* Collected on delinquent accounts

Education record

Education record

Working on obtaining a degree in Finance