Joseph Hook Email & Phone Number

Jacksonville, Florida, United States

*Helped clients to hold lenders accountable for poor underwriting skills for closed loans. *Evaluated failed risk assessment, investigate fraud, and make recommendations to help improve the underwriting process. *Managed assigned pipelines. *Dispositioned loans within 24-48 hours of receipt, timely recording any errors, and expeditiously completed final reviews.*Informed bank clients and management of errors found on the closed loan, along with any condition that should have been addressed. *Worked in collaboration with the team to ensure SLA targets are met. *Participated in special projects and assignments along with other duties as assigned.

Remote

*Mortgage underwriter known for strengths in risk assessment*Strong income/credit analysis skills.*Meticulous documentation review expertise. *Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.

Cincinnati, Ohio, United States

*Reviewed credit reports to determine approval eligibility. *Determined qualifying income by analyzing tax returns of Sole Proprietorships, LLCs and S-Corps. *Analyzed pay stubs and W-2s for authenticity. *Calculated debt to income ratios from financial statements, determining eligibility for loan. *Evaluated overall loan documents for accuracy, completeness and compliance, ensuring the loan was marketable.

Cincinnati Area, Ky

*Established strong relationships with business partners (i.e. Sales force, Risk Management, Contact centers and Fulfillment teams, etc.) *Managed assigned pipelines. *Dispositioned loans within 24-48 hours of receipt, timely resolved conditions, and expeditiously completed final approvals. *Inform processors, mortgage loan officer, closers and management of changes, status updates, findings and credit decisions. ^Worked in collaboration with the team to ensure SLA targets are met. Participated in special projects and assignments along with other duties as assigned. *Helped with orientation, training, assisted and mentored junior level employees.

Cincinnati Area, Ky

*Started out as a streamline Underwriter and over the last year have been promoted to a Conventional Underwriter.*Provided meticulous attention to detail in underwriting FHA, VA, and Conventional Loans. *Evaluated the financial strength of borrowers to determine risk and repayment capacity. *Communicated and followed through with processors, loan originators and management throughout all phases of loan processing. *Provided attention to detail in underwriting mortgages. *Passed decision on average of 4 to 7 files per day.

Middletown, Ohio, United States

*See to the daily care of seniors, as their caregivers go to work. *Worked with caregiver to help and assist with medical billing.

Cincinnati Area, Ky

*Provided meticulous attention to detail in underwriting mortgages. *Evaluated the financial strength of borrowers to determine risk and repayment capacity. *Balanced the need for loan volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability. *Ensured loan submittals met internal and external eligibility requirements. *Gained extensive experience in underwriting FHA, VA and Fannie Mae loans. *Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process

Cincinnati Metropolitan Area

*Underwrote files according to guidelines set by Main Source Bank, FHA, VA andFannie Mae.* Reviewed loans, calculated income (W-2 and self-employed), calculated assets andliabilities, reviewed HUD, title, appraisals, GFE, and DU / LP findings.* Conditioned for any items that were needed to close loan.

*Processed conventional loans from set-up to submission; from conditions to close.* Strong communication skills with borrowers and lenders* Organized closings with borrower, lender and Title Company* Submitted mortgage loan application files for underwriting approval.* Made recommendation that loans not meeting standards would be denied.* Reviewed residential loan application files to verify that application data is complete.*Met establishment standards, including type and amount of mortgage, borrowerassets, liabilities and length of employment.