Kyle Dowling Email & Phone Number

Stone Mountain, Ga, Us

Dallas, Texas (Remote)

Completes thorough analyses of loan files to determine compliance with company, investor and FHA guidelines.Evaluates credit package and collateral for residential mortgage loans to ensure an investment quality loan product.Verifies accuracy of all calculations.Assists with the training of new underwriters.Maintains company productivity level and complies with designated turnaround time for underwriting of files.Communicates loan decisions to appropriate parties both verbally and in writing.Communicates with appropriate parties, including branch personnel and underwriters to obtain further information, present proposals, and explain company underwriting policies.Complies and provides required reports to management as needed.Keeps Encompass updated as required.Responds to reviews and audits in a timely manner.Maintains a professional image and adheres to standards consistent with company policies and procedures.Other duties as assigned.

Atlanta Metropolitan Area

Discussed time frames, scope of the assignment including possible stages and approaches, and outlined performance needs for subordinates Actively participated in projects to improve service, efficiency, and to ensure complianceResponsible for underwriting wholesale and correspondent loans on both a delegated and non-delegated basis.Analyzed, defined, and resolved multifamily housing issues related to underwriting projectsPerformed analytical assessment of mitigating factors for credit assessmentUnderwrote loans for multifamily housing developmentsExamined appraisals for multifamily housing developmentsDefined quantitative and financial risk assessment for each clientAnalyzed credit and investment risksReviewed loans based on knowledge of compliance of regulatory guidelines and investor guidelinesAnalyzed financial and banking statementsAdministered and specialized in fraud prevention and loss mitigationAnalyzed property appraisals to ensure compliance with the company’s appraisal criteriaIssued mortgage credit approvalsDetermined the most appropriate principles, practices and methods to apply in all phases of assignments, including the approach to be taken, degree of intensity, and depth of researchInterpreted mortgage regulations and took initiative to apply new methods to resolved complex and/or intricate, controversial, or unprecedented issues and problems, and resolved conflicts that arose as a part of my daily activities

Greater Atlanta Area

Underwrote delegated and non-delegated correspondent loans Monitored actual rates & achievements for mortgage programs and used data obtained to create weekly reports to keep upper management abreast of the weekly accomplishments of the site and how those accomplishments fared in comparison to the current site and enterprise goals. Presented policy and program findings at meetings with senior managementWrote documents and presented literature for senior managementDelivered presentations to senior managementLed a team to resolve issuesEvaluated complex projects using my knowledge and experience of project management to study and identify problem areas, trends, deficiencies, or other similar factors affecting operations. Developed briefings, reports and analysis documents on program related issues that I have presented to management, senior managers and executive level management. Analyzed, defined, and resolved multifamily housing issues related to underwriting projectsUnderwrote loans for multifamily housing developments

Responsible for managing the pre-decision credit worth, income, and asset assessments. Reviews property documentation on designated loans to ensure that loans are in compliance with company standards, investor guidelines, and clearing conditions. Reviews both conforming and non-conforming loans including loans for self employed clientsPerformed underwriting reviews using Desktop Underwriter as well as manual calculationsPrepares and completes all necessary documentation and verifications as needed to bring loan to a completion for final investor approvalUnderwrites 4-6 mortgage loans daily

Bachelor Of Science (Bs), Marketing

High School Diploma