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, DU, LP and Manual Underwriting. Recipient of the Orion Starblazer Award in 2020 for going “above and beyond” daily responsibilities.

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 Underwriting.

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 policy. Responsible for coaching, development and training of current and new underwriters. Required to answer both internal and external audits… Show more 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 policy. Responsible for coaching, development and training of current and new underwriters. Required to answer both internal and external audits. Provided excellent customer service to both internal staff and external customers. Show less

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. Daily responsibilities include managing new file pipeline, clearing conditions and providing excellent customer service. Assumed management… Show more 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. Daily responsibilities include managing new file pipeline, clearing conditions and providing excellent customer service. Assumed management responsibilities in the absence of Team Lead. Recipient of Compass Award in 2010 and 2012 for going "above and beyond" daily duties by providing exceptional customer service to our clients and sales team. Show less

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 underwriting new files and condition clearing while providing excellent customer service to Suntrust customers as well as Suntrust employees… Show more 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 underwriting new files and condition clearing while providing excellent customer service to Suntrust customers as well as Suntrust employees. Proficient in DU and LP. Show less

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 informed of status of loans and loan alternatives. Maintained current knowledge of market conditions and investor guidelines. Experienced in… Show more 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 informed of status of loans and loan alternatives. Maintained current knowledge of market conditions and investor guidelines. Experienced in Agency, Alt-A, FHA and Construction loans. Proficient DU and LP. Show less

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 of borrower to repay loan. Responsible for quality assurance, detecting flips or fraud, and clearing all conditions. Interaction with… Show more 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 of borrower to repay loan. Responsible for quality assurance, detecting flips or fraud, and clearing all conditions. Interaction with brokers, loan officers and account executives, which included scenarioquestions, approval notifications and loan alternatives. Assisted in training new incoming underwriters. Focused on maintaining exceptional customer service to brokers and account executives. Show less