James Larkin Email & Phone Number

Austin, Texas, United States

Costa Mesa, California

VA, FHA, and conventional products.

Irvine

o Responsible for the management of 7 – 12 underwriters.o Responsible for staying up-to-date on latest government regulations and product guideline changes and notifying the team of these changes.o Acts as a direct escalation point for operations and sales.o Ensures that all team members are performing and meeting the set company standards of productivity and customer service levels.o Responsible to conduct second signature reviews behind underwriters when needed for both active and declining loans for all product lines.o Responsible to address and remediate post-closing issues and audits and report the progress to upper management and the credit risk department. o Responsible for conducting new and ongoing training for all team members.o Responsible for the assigning of work out to all the underwriters daily; to ensure an equal work balance and to ensure each underwriter is given loans within their authorities.o Examine loan documentation to ensure accuracy and completeness.o Analyze the risk of a loan transaction and provide justification and compensating factors to support loan decision.o Review LTV, credit report, applications, etc. to ensure that each loan meets company standards for sale into secondary market.o Evaluate income documentation to determine acceptable risk of an applicant based on analysis of W2’s, pay stubs, personal and business tax returns, and to complete and calculate residual income for further VA loan analysis.o Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation.

Irvine

o Examine loan documentation to ensure accuracy and completeness.o Analyze the risk of a loan transaction and provide justification and compensating factors to support loan decision.o Review LTV, credit report, applications, etc. to ensure that each loan meets company standards for sale into secondary market.o Evaluate income documentation to determine acceptable risk of an applicant based on analysis of W2’s, pay stubs, personal and business tax returns.o Determine level of qualification for a loan applicant and render decision on applicant’s ability to repay.o Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation.o Ensure that the validation of AUS information is accurate and finalize credit risk decision within engine.o Perform Fraud review with relation to Interthinx Fraud Guard generated reports.o Perform Early Check DU function to check loan parameters of 1003 export against DU findings.o Complete loan lock reconciliation process in order to ensure that loan parameters meet all lock requirements and all data matches per data integrity requirements.o Order Mortgage Insurance, as applicable, via the Encompass interface connection.o Sign and execute all documentation necessary to complete the underwriting of a loan file to forward to the closing department.o Record loan rejections, specifying investor and institution guidelines and basis for declining application, to include Mortgage Advisor notification and compliance with HMDA reporting.o Manage all daily conditions due keeping to service level agreements for turn times.o Communicate with Underwriting Manager to advise of any branch processing issues.o Work with production staff to maximize production levels without inappropriate risks.o Maintain excellent customer service skills constantly attempting to enhance the customer service experience with all internal and external customers.

Lake Forest, Ca

o Examine loan documentation to ensure accuracy and completeness.o Analyze the risk of a loan transaction and provide justification and compensating factors to support loan decision.o Review LTV, credit report, applications, etc. to ensure that each loan meets company standards for sale into secondary market.o Evaluate income documentation to determine acceptable risk of an applicant based on analysis of W2’s, pay stubs, personal and business tax returns.o Determine level of qualification for a loan applicant and render decision on applicant’s ability to repay.o Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation.o Ensure that the validation of AUS information is accurate and finalize credit risk decision within engine.o Perform Fraud review with relation to Interthinx Fraud Guard generated reports.o Perform Early Check DU function to check loan parameters of 1003 export against DU findings.o Complete loan lock reconciliation process in order to ensure that loan parameters meet all lock requirements and all data matches per data integrity requirements.o Order Mortgage Insurance, as applicable, via the E3 interface connection.o Sign and execute all documentation necessary to complete the underwriting of a loan file to forward to the closing department.o Record loan rejections, specifying investor and institution guidelines and basis for declining application, to include Mortgage Advisor notification and compliance with HMDA reporting.o Manage all daily conditions due within the OLIE system, keeping to service level agreements for turn times.o Communicate with Underwriting Manager to advise of any branch processing issues.o Work with production staff to maximize production levels without inappropriate risks.o Maintain excellent customer service skills constantly attempting to enhance the customer service experience with all internal and external customers.

Irvine, Ca

o Monitoring an active pipeline of 60-80 loans with a focus on pipeline velocity.o Proactively managing target closing dates and establishing earliest closing date based on receipt of appraisal in compliance with ECOA rules.o Actively managing the pipeline for receipt of conditions from the client and responsible for reviewing the submitted conditions for accuracy, making notes in the file for the Underwriter, and clearing what is within the AM’s authority.o Complete pre-closing functions including, but not limited to: reviewing the closing protection letter, homeowner insurance policy, title commitment, verbal verification of employment, review and reconciliation of most recent GFE, receipt and review of Closing Request Form and preliminary HUD 1, and validating the accuracy of all tax escrows.o Complete Undisclosed Debt Monitoring, updated 1008, 1003, VA Analysis, re-ran final DU/LP, verified HPML and QM, and re-ran the Loan Scorecard. o Manage loan escalations when needed by communicating with the client and all other parties involved in the resolutiono Manage any closing corrections or loan amount changes that may come up unexpectedlyo Responsible for maintaining a clean virtual file by reviewing and making corrections to the file folder as needed.

Riverside, Ca

o Responsible for writing a complete repair plan before and after the vehicle is disassembled using both Mitchell and CCC estimating systems.o Responsible for maintaining constant communication with the customer and insurance representative.o Source, order & receive parts per insurer and company guidelines.o Managed the repair process by working closely with all the different departments on the work shop including but not limited to; body, frame, prep, paint, and detail.o Always met minimum CSI & cycle time requirements.o Conducted quality check on all outgoing vehicles before delivery.

Huntington Beach, Ca

o Prepare cost estimates of materials requested by Sales, Customer Service Representatives, Engineers, and lighting designerso Compile/organize bills of material, utilizing knowledge of products to be manufactured and available service solutions; compare competing manufacturers' bills of material to determine the best solution for a customerso Contact manufacturers directly or through local representatives to obtain best-cost informationo Compute cost and price estimates for materials using a variety of criteria, such as inventory availability, competitive position, price validity, and other logistical considerations (freight, handling, staging, etc.)o Responsible for maintaining accurate paperwork and job files to facilitate smooth transitions to other departments when neededo Worked closely with in-house lighting engineers and designers to help facilitate for un-common specifications

Orange County, California Area

o Monitored an active pipeline of 120-130 loans with a focus on pipeline velocity. o Actively managed the pipeline for receipt of conditions from the client and responsible for reviewing the submitted conditions for accuracy, making notes in file when necessary, and clearing the loans for docs.o Completed pre-closing functions including, but not limited to: reviewing the closing protection letter, homeowner insurance policy, title commitment, verbal verification of employment, review and reconciliation of most recent GFE, receipt and review of Closing Request Form and preliminary HUD 1, and validating the accuracy of all tax escrows.o Managed loan escalations when needed by communicating with the client and all other parties involved in the resolution