Joseph Hook

Joseph Hook Email and Phone Number

Mortgage Underwriter and Forensic Mortgage Underwriter looking for a career in credit risk & compliance. To use my current experience & apply my skills in a new role while enhancing my career skills set.
About Joseph Hook

I have worked in the mortgage industry for the past sixteen years; starting out as a Mortgage Loan Officer, Processor, Correspondent Underwriter and moving up to my present position as a Mortgage Underwriter I. I have worked in this position for over 10 years. Having worked before, through and since the mortgage crisis with success, I know what it takes to predict and navigate the mortgage market.I can analyze loan risks, measure assets and possible culpability of a client, as well as scrutinize the numbers of mortgage rate, credit reporting, and other loan numbers to determine the right movement forward for mortgage eligibility. My priority is to have all the necessary documents to approve and close each loan that qualifies. Proven analytical and organizational skills and demonstrated ability to prioritize and multi-taskStrong people skills with ability to communicate effectively, provide peer coaching with impact & influence.I demonstrates strong interpersonal communication skills and have a proven high level of Mortgage Underwriting Credit Skills with good commercial awareness. I have strong analytical and decision making/problem solving skills. Also a strong management and organizational skills with good judgment and decision making. Strong Microsoft Office skills, including Excel and power poiint.

Joseph Hook's Current Company Details

Mortgage Underwriter and Forensic Mortgage Underwriter looking for a career in credit risk & compliance. To use my current experience & apply my skills in a new role while enhancing my career skills set.
Joseph Hook Work Experience Details
  • Mphasis Digital Risk
    Forensic Mortgage Underwriter
    Mphasis Digital Risk Mar 2022 - Jan 2023
    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.
  • Loan Cabin
    Sr Mortgage Underwriter
    Loan Cabin Apr 2021 - Jan 2022
    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.
  • Rapid Mortgage Company
    Senior Mortgage Underwriter
    Rapid Mortgage Company Feb 2020 - Jan 2021
    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.
  • Rbs Citizens (Charter One)
    Conventional Mortgage Underwriter
    Rbs Citizens (Charter One) Mar 2017 - Feb 2020
    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.
  • Ascendum Solutions
    Conventional Underwriter
    Ascendum Solutions Jan 2016 - Feb 2017
    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.
  • Circle Of Friends Adult Day Center
    Owner
    Circle Of Friends Adult Day Center Feb 2014 - Dec 2015
    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.
  • Tata Consultant Services
    Correspondent Underwriter
    Tata Consultant Services Apr 2012 - Jan 2014
    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
  • Main Source Bank – Mergis Group 
    Junior Underwriter
    Main Source Bank – Mergis Group  Apr 2011 - Jan 2012
    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.
  • Charter One - Account Temps 
    Mortgage Processor
    Charter One - Account Temps  May 2010 - Oct 2011
    *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.

Joseph Hook Skills

Funding And Documentation Lending And Underwriting Guidelines Cash Flow Analysis Risk Assessment Conforming And Non Conforming Loans Debt To Income Ratios Loan Closings Credit And Income Analysis Conventional Financing Account Service Excellence Arms Loan To Value Ratios Government Mortgages

Joseph Hook Education Details

Frequently Asked Questions about Joseph Hook

What is Joseph Hook's role at the current company?

Joseph Hook's current role is Mortgage Underwriter and Forensic Mortgage Underwriter looking for a career in credit risk & compliance. To use my current experience & apply my skills in a new role while enhancing my career skills set..

What is Joseph Hook's email address?

Joseph Hook's email address is jo****@****ail.com

What is Joseph Hook's direct phone number?

Joseph Hook's direct phone number is +151335*****

What schools did Joseph Hook attend?

Joseph Hook attended Northern Kentucky University.

What skills is Joseph Hook known for?

Joseph Hook has skills like Funding And Documentation, Lending And Underwriting Guidelines, Cash Flow Analysis, Risk Assessment, Conforming And Non Conforming Loans, Debt To Income Ratios, Loan Closings, Credit And Income Analysis, Conventional Financing, Account Service Excellence, Arms, Loan To Value Ratios.

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