Max Bailey Email & Phone Number

Dallas/Fort Worth Area

MDS Global LLC is the main holding company for my subsidiary companiesMillennium TruckingMDS Towing ServicesMDS Investment PropertiesMDS Auto Sales

Remote Underwriter

• Conducted front line credit risk review of retail loans and applied the needed conditions for mortgage submissions to assure the loans meet program/product specifications.
• Ensured potential borrower assets meet closing requirements and were derived from acceptable sources per FMLA/FHLMC guidelines.
• Executed a detail appraisal analysis to determine IMortgage and MGIC collateral standards where met, while completing the necessary research to determine federal, state and company compliance

Dallas/Fort Worth Area

• Served as a direct contact for Underwriting Manager and Team Leader, when loan committee meetings are held and issues or changing are addressed concerning investors seller guidelines.
• Managed, controlled and directed the daily operations of the underwriting area, including establishing and maintaining procedures, overseeing work-flow, setting production and quality standards, while ensuring strict.
• Communicated on a weekly basis with Underwriting Management regarding quality audit results as well as company set standard productivity and customer service levels
• Established and maintain satisfactory post-closing functions, including post-closing audit, recording exceptions, missing and final documents and assuring that missing or final documents are received per investor.
• Awarded for Reducing deficiencies and increase profit by providing exceptional quality control on millions of dollars of mortgage loans approved daily with zero compliance infractions.
• Improved Overall Customer Satisfaction in which increase business by more than 30%

Irving, TX

• Supervised day to day activities of Jr. Underwriters in the correspondent underwriting department.
• Review all audit results, Investor Suspense reports and Problem Loan Reports and proactively made changes and recommendations to underwriting processes/personal based on trends.
• Assigned and coordinate workflow for each team member based on loan complexity, volume and staff.

Frisco, TX

• Analyzed and decision loans under multiple mortgage loan programs and guidelines in the interest of protecting Ascent HL lending investments.
• Analyzed financials and completing income calculations including self-employed borrowers, reviewing financials with margin and pledged accounts.
• Reviewed borrowers for credit worthiness, willingness and ability to repay debts while mitigating risks to Ascent HL.

Dallas/Fort Worth Area

• Managed pipeline of loans within required performance standards for welcome, approval and status calls.
• Reviewed, analyzed, approved and underwrote CONV loan files within company and industry guidelines.
• Identified loan files that had little to no benefit to the borrower, backend debt to income ratios exceeding guideline maximums with fraudulent or inadequate income documentation.