George Benjamin Email & Phone Number

United States

Certified by FHA and Bond; CHUMS ID # JB10.Evaluate and approve Conventional and FHA loans according to company, investor, and industry guidelines.Stay updated on loan programs.Analyze and make credit decisions.Review financial statements, credit reports, and relevant ratios (e.g., DTI and LTV) to make informed decisions.Thoroughly examine transactions for accuracy and completeness.Ensure document consistency and compliance.Identify any red flags in the documentation.Aid in loan restructuring based on lending guidelines.Extract necessary information from agency materials for decision-making.Assign and approve appropriate loan conditions.Assist the Processing Department in resolving issues with files to expedite submissions.Clearly explain credit decisions to internal customers and auditors.Assess property information, including purchase contracts, escrow instructions, and preliminary title reports, to analyze risk appropriately.Address program guidelines and borrower qualification inquiries from loan consultants and processors.Maintain effective communication with internal staff for excellent customer service.Proficient in DU (Desktop Underwriter) and LP (Loan Prospector) Programs.Able to handle 3-5 loans per day, depending on complexity.Adhere to the department's 24-48 hour turnaround standard.Calculate income from various sources, including salary, self-employment, and corporate W2s.

Underwriting Manager (September 2020 – August 2021)Was responsible for managing a team of 15 Underwriters.Provided performance and quality evaluations of my employees.Reviewed FHA test cases for underwriters who were in the process of obtaining their FHA certification.Delivered business strategy and developed systems and procedures to improve operational quality and team efficiency.Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures, and technology systems.Provided ongoing training for underwriting staff to ensure consistent credit decisions.Reviewed employees' time and labor (including time cards and PTO requests) and monitored/managed overtime hours of underwriting staff.Underwriter II (May 2015 – September 2020 Promotion) Underwrote Conventional and FHA loans within company, investor, and industry guidelines.Analyzed and issued credit decisions by calculating income from salary, self-employment, and corporate W2s.Reviewed and made informed decisions on financial statements, credit reports, and applicable ratios (i.e., DTI and LTV).Identified red flags on documentation and assisted with the restructuring of loans based on lending guidelines.Assigned and signed off on appropriate loan conditions.Analyzed risk appropriately by assessing property information, including purchase contracts, escrow instructions, and preliminary title reports.Utilized DU (Desktop Underwriter) and LP (Loan Prospector) Programs.Completed 3-5 loans per day (depending on the complexity of the loan) while adhering to the department turnaround standard of 24-48 hours.

Experience with Conforming, Non-Conforming, Fannie Mae, Freddie Mac, HARP loan programs, and FHA Loss Mitigation Default Servicing: DOA Level C

Experience with the government’s “Making Homes Affordable” modification programs.

Proficient in all loan programs (FHA, VA, USDA, Conventional, etc.)