Eric Mcgowan Email & Phone Number

o Identify, sample, and review both Prefund and Post Close mortgage files for adherence to applicable internal and external guidelines. Those files consist of Conventional (Fannie Mae and Freddie Mac), Government (FHA, VA, and USDA), and Investor products. Responsible for relaying findings to Operations, Underwriting, Closing or relevant areas to address and correct deficiencies.o Perform due diligence tasks for QC team and help advance opportunities for improvement. o Participate in audit preparation and processes (MORA – Fannie Mae)

Homewood, Alabama

o Maintained knowledge of both new regulatory and company products and guidelines while identifying, creating, and delivering training on mortgage-related subject matter.o Acted as an underwriting help desk agent answering loan scenario questions for loan officers regarding both loan structure and file setup. Further assisted mortgage processing personnel regarding processing tasks and loan closing.

Homewood, Alabama

o Managed, investigated, and resolved customer escalations regarding mortgage and home equity files as member of Executive Team. o Analyzed customer satisfaction surveys identifying trends, patterns, and division-related customer satisfaction in relation to KPI’s and Customer Experience (CX).o Demonstrated full comprehension of the roles and requirements of the mortgage processor, underwriter, closer, and all steps within the mortgage origination platform.o Compiled and drafted responses regarding Official Regulatory Complaints (CFPB), State Agencies, Better Business Bureau (BBB) with approval within the legal compliance department.o Developed, implemented, and setup Complaints Management tracking system utilized in department. (2017 – 2020)

Homewood, Alabama

o Reviewed loan applications and credit documents.o Calculated income for both wage-earners and self-employed borrowers.o Ordered DU findings for automated credit decisions.o Ordered verifications, payoffs, title work, homeowners insurance, and credit supplements.o Compiled and submitted paperless files to underwriting for credit decisions.o Reviewed and cleared conditions on loans in order to obtain a final approval.o Upon final approval prepared loan packages to send to the closing department.o Coordinated loan closings with both customers, title companies, and attorneys.o Stayed abreast of current lending guidelines on products offered.

Birmingham, Alabama Area

Birmingham, Alabama Area

Generated new business, built upon company brand, and provided viable alternative sources for individual financial needs.

Prepared loan documentation to various lender guidelines, balanced HUD/Settlement statements, walked files from originators through lender guidelines, processing through underwriting, and ultimate closing. Assisted/supported three companies.

Retail banking associate.

Oxford, Alabama

Loan Consultant/Senior Mortgage Processor

Birmingham, Alabama, United States

Mortgage Originator