Dwaine Baker Email & Phone Number

Charlotte, North Carolina, United States

The Senior Mortgage Underwriter is responsible for the evaluation of the borrower(s) overall creditworthiness. These operations included evaluating the loan application and documents provided, ensuring the loan adheres to investor and agency guidelines. Maintain daily pipeline management and SLA’s.

Charlotte, North Carolina, United States

Meet all quality metrics as communicated by management. Ensure adherence to policies, guidelines, and procedures as well as compliance to regulations and credit guidelines. Analyze and review financial statements, credit reports, appraisal, and all other documentation to render a firm underwriting decision.

Charlotte, North Carolina Area

A Senior Underwriter underwrites all level of complexity of mortgage loan applications and evaluates in order to maximize organizational profit and minimize risk or loss.

San Antonio, Texas Area

Manually underwrite files by evaluating the risk in accordance with all investor guidelines and company policies. Review all aspects of the loan file, including title and appraisal report. Set conditions for loan approval and compliance or identify reasons for rejection. Authorized to underwrite loans up to $2,000,000. Work with team members to identify.

Charlotte, North Carolina Area

• Primary responsibilities include proving the thorough evaluation of credit documentation. Identity potential risks and advise as the appropriate decision according to investor and internal guidelines.
• Underwrite Conventional & FHA loans with AUS approval.
• Manage expected service levels related to decision making and condition clearing.
• Through understanding of underwriting policies and procedures, as well as investor guidelines and regulatory updates.
• Exercise prudent… Show more Primary responsibilities include proving the thorough evaluation of credit documentation. Identity potential risks and advise as the appropriate decision according to investor and internal.
• Exercise prudent judgment in loan decision making and in recommending loan decision exception of Loan Committee Management.

Charlotte, North Carolina Area

• PACIFIC UNION FINANCIAL – Charlotte, NC 2014 to 2015Senior Underwriter Responsible for accurate evaluation of risk, timely accumulation of documentation necessary for approval consideration and follow-up conditions.
• Balanced the need for loan-volume growth with the equality important necessity of optimum underwriting quality to minimize risk while maintaining profitability.
• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals… Show more PACIFIC UNION FINANCIAL – Charlotte, NC 2014 to 2015Senior Underwriter Responsible for accurate evaluation.
• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
• Maintained quality control while maintaining production standards by company definition.
• Examined appraisal reports to ensure the collateral is acceptable to investors. Show less

Charlotte, North Carolina Area

• Reviewed loans to ensure business value and compliance with company and investor standards. Determined loan conditions and decisions. Conducted full and comprehensive evaluation of complex, high-risk mortgage.
• Underwrote daily average of three to four loans representing a diverse loan programs.
• Selected to be one of 3 Senior Underwriters for pilot program to mentor Junior Underwriters and Senior Processors.
• Achieved low default rate of 0% and qualify control… Show more Reviewed loans to ensure business value and compliance with company and investor standards. Determined loan conditions and decisions. Conducted full and.
• Achieved low default rate of 0% and qualify control reviews with less than 1% error rate.
• Top 15% of companywide underwriters Show less

• Evaluated loans to guarantee soundness, business value, and compliance with investors. Independently conducted full and comprehensive evaluation of complex loan applications.
• Underwrote four to five loans daily as well as clearing conditions.
• Subject Matter Expert assigned to less experienced underwriters to coach, train, mentor and motivate.
• Top 20% of companywide underwriters.
• Achieved a low default rate of 0% and quality control reviews with less than 2.5% error… Show more Evaluated loans to guarantee soundness, business value, and compliance with investors. Independently conducted full and.
• Achieved a low default rate of 0% and quality control reviews with less than 2.5% error rate. Show less

• Evaluated mortgage requests for Wells Fargo Home Mortgage by ensuring compliance with company and investor standards. Scrutinized loans to maximize profit and minimize risk or loss.
• Underwrote five to six loans per day.

Charlotte, NC

• Assessed loan applications to determine borrower’s eligibility. Completed appraisal review, fraud, and regulatory risk factors. Established and cultivated customer relationships with an emphasis on quality service and.
• Successfully underwrote daily average of six to eight loans from diverse loan programs.
• Top 25% of companywide underwriters.
• Maintained a low default rate of 0% while maintaining quality control rate with less than a 3% error rate.

Charlotte, NC

• Ensured loan submittals met internal goals and external eligibility requirements.
• Evaluated financial strength of borrowers to determine risk and repayment capacity.

Columbus, OH

• Examined mortgage loan files to ensure quality, business value, and compliance with investor guidelines to meet lending standards.
• Earned recognition for high productivity and quality of files that resulted in quarterly awards.
• Six time winner Employee of the Month.

Columbus, OH

• Reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.
• Evaluating and ensuring overall loan documents were complete and compliant; reviewing of financial statements, self employed documentation, extensive analyzing of tax returns, credit reports, applicable ratios and.
• … Show more Reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines.
• Underwrote residential mortgages to client/investor specific guidelines for high net-worth clients and high value properties. Show less