Jeffrey Sutherland Email & Phone Number

Salt Lake City, Ut, Us

Salt Lake City, Ut, Us

Chicago, Illinois, United States

• Manages 7 underwriters • Oversees underwriting standards for VA, FHA, and USDA loan programs• Manages all underwriting escalation issues from sales and processing• Approves all power of attorney documentation • Approves manual underwriting files• Manages all underwriting issues pre and post-closing in regards to: quality control, VA Audits, FHA Audits, USDA Audits, external and internal bank auditors• Reviews feedback from QC, Processing, Customer Satisfaction Surveys, and Sales partners with team or individuals Support workflow and production metrics by load-balancing pipelines• Manages all underwriters questions and escalation issues • Achieves and maintain highest level of regulatory compliance in conjunction with minimal loan defect rates while meeting and exceeding production metrics.• Accomplishes human resource objectives by selecting, orienting, training, assigning, coaching, counseling, and disciplining employees; communicating job expectations; planning, monitoring, appraising job contributions; recommending compensation actions; adhering to policies and procedures.• Measures Underwriter performance by providing consistent and timely feedback to underwriters and management• Creates a team environment where Sales and Operations work together• Fosters positive attitudes and professionalism by focusing on resolution based approach to problem solving and identifying best practices, process improvements, and mortgage loan system efficiencies• Provides feedback to Processing and Sales staff regarding the quality of files that are submitted to Underwriting

o Submit residential mortgage loans through underwriting, closing, quality control and funding, meet all conditions as required by each departmento Verify all necessary information on loan files for accuracy and completeness o Review necessary documentation provided by clients and request additional documentation as required o Analyze employment, income, and unique loan scenarios prior to submitting for approvalo Update clients, loan officers, managers, and other facilitators to the status of pending applicationso Maintain contact with appraisers, title companies, and insurance agents to obtain necessary documentation for loan fileso Preliminarily accept or rejected applications for borrowers once submitted from the originator based on meeting the necessary criteria o Verify all income, employment, and asset information prior to underwriting o Calculate income with tax analysis, W-2 income, recent pay stubs, and other forms of income documentation as requiredo Work with various investors on loan purchasing and post funding conditions

Assisted branch managers in the closing process for residential real estate transactions for eight different affiliates Processed a variety of products including: first mortgages, second mortgages, HELOC loans, and home improvement loansProcessed residential mortgage loans by following underwriting standards and guidelines for each different affiliate bankAssisted clients through the loan process by explaining loan programs, rates, and loan terms

Originated residential mortgage loans with a variety of mortgage products including Conventional, FHA, constructions loans, and Fannie Mae productsOriginated, processed, closed, and funded a variety of residential mortgage products Helped clients through the closing process by explaining all mortgage documents required for closingTrained new mortgage loan processors as well as closersDeveloped and implemented new systems for processing, closing, and originating

Bachelor Of Science (Bs), Business

Associate Of Arts Degree, Business