Jc Holman Email & Phone Number

Chicago, IL, US

Olympia Fields, Illinois, United States

Delivered captivating product presentations showcasing Vintrendi wines to potential customers, distributing product samples and promotional materials to drive brand awareness and cultivate customer loyalty.Engaged with consumers by providing expert guidance, addressing inquiries, and enriching their tasting experience through detailed product knowledge.

United States

Santa Ana, California, United States

 Responsible for the data integrity and underwriting of closed Jumbo, Non-QM and agency loans. Determined the integrity of the income used to quality the borrower through analyzing personal and business statements such as personal and business tax returns in addition to asset statements in order to determine the borrower’s qualifying income. .

 Performed underwriting of Jumbo, and agency loans mortgage loans ensuring compliance with appropriate company, agency and non agency overlays  Performed an analysis of the borrower and business historical and year to date financial statements such as personal and business tax returns,personal and business asset statements in addition to REO cash flow.

 Responsible for the data entry and underwriting of closed Jumbo, Non-QM and agency loans. Cash-flowed and calculated the borrower’s income as required by analyzing the borrowers personal and business tax returns in addition to asset statements in order to determine the borrower’s qualifying income. Maintain up to date notes on the files as required to.

Remote

• Review the Settlement Service Provider List (SSPL) to ensure CFPB requirements have been met;
• Evaluate the initial and re-disclosed loan estimates to ensure proper adherence to requirements outlined by the CFPB;
• Determine if the change of circumstance form(s) reflect an acceptable reason; Completes a review of the initial and re-disclosed closing disclosures to validate all CFPB requirements have been met;
• Ensure all TRID time frame requirements have been met as dictated by the CFPB;
• Reviews the Compliance ease and seller Mavent report to identify errors regarding the loan estimate and the closing disclosure;
• Analized of all required federal and state documentation for completeness and accuracy; and were provided within required time frames;

Libertyville, IL-Remote

• Performed forensic loan reviews to ensure compliance with policies and procedures as well as investor guidelines
• Detected, prevent, and raise red flags when identifying loans associated with fraud or misrepresentation
• Prepared conclusions based on research explaining the reason for the default and provided supporting documentation i.e. reverification of employment, servicing comments, online searches and post funding credit reports.

Lombard, IL

• Underwrote correspondent conventional and jumbo loans according toFannie Mae Freddie Mac and correspondent investor overlays
• Was responsible for making accurate and prudent decisions in granting loan requests within specified limits, demonstrated the ability to analyize credit risk.
• Resourcefully seeked alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated
• Evaluated the credit risk, exposure and repayment abilities of self employed borrowers, ensuring compliance with applicable seller guidelines and acceptable lender risk
• Researched, and analyzed 1040,1065 and 1120s business returns as it relates the the borrowers to personal, commercial, and real estate entities to determine the borrowers monthly cash flow and the stability of an entity
• Assisted correspondents/other department personnel in interpreting underwriting guideline changes.Assist correspondents/other underwriting personnel in analyzing complex mortgage and complex self-employed.

Downers Grove, IL

• Approved acceptable loans within delegated credit approval authority Performed detailed pre-funding and pre-close underwriting analyses on all conforming, non-conforming, loans for credit, fraud, appraisal review.
• Provided assistance and direction to correspondents/other department personnel on issues regarding Chase, Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA).Request additional.
• Reviewed full doc and HARP loans for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all.
• Evaluated debt ratio,loan-to-value ratios, credit score, property valuation and various other factors. Determined and documented loan conditions and communicating requirements and/or decisions.

• Responsible for underwriting and evaluating credit requests for Morgan Stanleys private bank real estate credit exposures.
• Partnered with bankers and relationship managers, Financial analyst and the Vice President of Wealth Management in structuring complex deals in order to satisfy the unique needs of they’re clients
• Researches and analyzes pertinent financial statements of individuals, businesses, and other entities. ie trust, personal and business tax return in order to evaluate the business entitys stabilityand creditworthiness

• Forensic Underwriter
• Resourcefully performed in-depth default and REO reviews for investors to determine adherence to guidelines in place at close and determine authenticity of documentation and whether prudent underwriting decisions were.
• Prepared conclusions based on research explaining the reason for the default and provided supporting documentation i.e. reverification of employment, servicing comments, online searches and post funding credit reports.

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Process orders for Ricoh fax machines and printers. Ensure accurate shipping and billing

Business And Culinary Arts

Business And General Studies