Jacob Akins Email & Phone Number

Phoenix, AZ, US

• Review pre-fund and post-close loan files for data integrity and identify defects in the loan manufacturing process.
• Perform credit analysis, review income calculations, assets, red flags, and other documentation to ensure it meets guidelines.
• Review closed loan documents to ensure compliance with all Federal, State, and local regulations.
• Work closely with mortgage operations on trending defects and remediation.
• Recommend and implement enhanced quality control methodologies and metrics to improve overall mortgage quality.

• Developed and coached a team of up to 13 mortgage underwriters to ensure company goals were met. Ensured compliance, application of proper internal controls, and adherence to Company and Fannie Mae Underwriting.
• Performed salary administration, performance assessment, coaching, hiring, training and career development of employees.
• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals, while maintaining compliance with lending and underwriting requirements.
• Team exceeding quality scores on loan review and secondary audits under my tenure.
• Completed second reviews and sign off on Jumbo loans over underwriter’s lending authority, up to $750,000.

• Helped train new hires, complete additional review of complex loans, and answer questions as the point of contact for Underwriting Department.
• Worked with Secondary Marketing, Compliance, Mortgage Insurance Companies, and QC when audits were completed with additional Underwriting attention required.
• Demonstrated excellent communication with loan processors, loan originators, and management throughout all phases of the underwriting process.

• Worked with business partners to answer questions on loans, Fannie Mae, and Portfolio guidelines.
• Approved, declined, and counter offered loan submissions to assigned limits based on Company and Investor underwriting guidelines and procedures.

• Communicated with customers and business partners regularly to ensure documents were received and answer questions on loan decisions.
• Reviewed credit, income, and assets to decision applications while screening for potential fraud.