Joe Capparelli Email & Phone Number

Responsible for underwriting Conventional, VA IRRRL and FHA loans. Knowledgeable in both Conventional and FHA DAP programs, DSCR and Manufactured Homes. Daily responsibilities include underwriting 2 new loans per day, reviewing and clearing conditions and providing excellent customer service to both internal and external customers. Proficient in Encompass.

Responsible for underwriting Conventional and FHA loans. Knowledgeable in both Conventional and FHA DAP programs and manufactured homes. Daily responsibilities included underwriting 2-3 new loans per day, reviewed and cleared conditions and provided excellent customer service to both internal and external customers. Proficient in DU, LP and Manual.

Lombard IL

Managed a team of 12 Underwriters and 3 Jr. Underwriters. My team consisted of Conventional, FHA, VA and USDA underwriters. Daily responsibilities included assigning new loans, load balancing between the team, and answering scenario questions from internal staff and external customers. Handled complex loan requests, loan escalations and exceptions to.

Responsible for underwriting Conventional, HARP, FHA and Jumbo loans. Proficient in DU and LP. Credit authority of $1 million. Calculated income, analyzed credit, verification of asset documentation and evaluated property values using property appraisals to determine overall credit and collateral risks. Responsible for quality assurance and compliance..

Contract Underwriter for Suntrust Mortgage, Inc. Responsible for underwriting Conventional Fannie Mae and Freddie Mac loans while following Radian MI and Suntrust guidelines. Analyzed credit, calculated income, evaluated appraisal and asset documentation to determine overall credit worthiness of borrower. Credit authority of $500,000. Responsible for.

Responsible for evaluating property and overall strength and credit worthiness of borrowers. Authorized to approve loan amounts of up to $650,000 based on documentation requirements. Daily responsibilities include underwriting 6-8 loans a day, reviewing conditions and provide exceptional customer service to Account Executives and Loan Officers keeping them.

Analyzed and approved residential mortgage loans. Position required extensive product knowledge of Full, Stated, and Alt Documentation, single and 80/20 loans for purchases and refinances. Daily activities involved underwriting 8-10 loans per day with a $350,000 authority level; credit, income and property analysis to determine overall level risk /ability.