Michael Brown Email & Phone Number

United States

Mortgage Insurance Underwriter

Underwrite Appraisals

Mount Laurel, Nj 08054

Review agency or requestor reasons for repurchase.Review loan file, collection notes, Underwriting review, and submit appeals to agency or requestor; follow up with agency and requestor on appeals.

Chester, Pa

Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.Reviewing financial statements, credit reports, and applicable ratios; evaluating and examining transactions to ensure accuracy and completeness; ensuring that documents are consistent and within company guidelines; performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines.

Conshohocken, Pa 19428

Responsible for reviewing applications from clients for leasing services provided by the organization, and screening the level of financial risk that potential and existing clients pose to the company. Supervises a team of underwriters in the department and answer to top management in the organization.Created and implemented the credit policy.

Ft. Washington, Pa

Responsible for reviewing internal audit findings for global trends and recommend preventative process changes. providing project support to and on behalf of Consumer Lending / Consumer Services Operations, and Act as an operational resource for the Consumer Services Operations and Consumer Lending Sales.

Audited approved Conventional, FHA, and VA mortgage loan applications for pre and post funding underwriting conditions. Correlate, review, and process new mail assigned to mortgage applications for final approval.

Review and analyze client retainer contracts Administer the annual budgeting process. Prepare, review, evaluate or control the financial results in relation to plan. Create excel spreadsheet models for financial modeling.Key Results:Demonstrated talent for quickly learning new tasks and completing assignments ahead of schedule while maintaining a high degree of accuracy.Contributed substantially to reducing outstanding accounts receivables through improved collections processes.

Mt. Laurel, Nj

Handled 30 - 40 loans ($2M) per month. Assessed the eligibility of a customer to receive mortgage products. Promoted to Loan Scenario Specialist for the use of my ability to think out of the box and use alternative lending institutions underwriting guidelines to approve loans. Monitored and maintained relationships between underwriters, brokers, vendors, and processors. Participated in planning/implementing business policies and procedures to ensure proper internal controls, including adherence to credit control and appraisal compliance requirements. Key Results:Responsible for ensuring sale-ability of each closed loan, balancing risk management, using creative judgment to maximize lending opportunities. Assumed expanded responsibilities as the Loan Scenario Specialist.

Greater Philadelphia Area

processed and underwrote 100 loan capacity pipeline with a turnaround time of 3-5 days and Q.C. score of 1.75 out of 4 (1 being the best). As a Sr. Underwriter, responsibility for decisioning loans over $100K and reviewed all appraisals. .Key Results:Created and implemented new technology for the 24 month bank statement programCreated and implemented loan feasibility test

Became an expert in mortgage underwriting for multiple clients and employers. Highlights:Managed 30-40 loans; up to $4 million per monthTrained staff on changes and current various companies' guidelines and policies.Responsible for ensuring sale-ability of each closed loan, balancing risk management, using creative judgment to maximize lending opportunities.Created and implemented new technology for the 24 month bank statement programCreated and implemented loan feasibility testTop Customer Service ProviderCoached assigned underwriters related to underwriting quality and credit compliance

Bachelor Of Applied Science - Basc, Accounting

Bachelor Of Science, Accounting

Master Of Business Administration - Mba, Business Administration And Management, General, 3.5