Michael Da Silva Email & Phone Number

Jacksonville, Fl, Us

Jacksonville, Florida, United States

Building long term, mutually beneficial relationships with major corporate clients, financial institutions, sponsors and sovereigns around the world.

Jacksonville, Florida Area

Reviewed customer employment assets in addition to calculating income for completeness and accuracy per guideline requirementsReviewed and analyzed borrower’s mortgage applications, credit reports, real estate purchase contracts, title commitments and related documentsAudited servicing agreements and identified compliance deficiencies in order for insurance claim to be dispersedConducted in depth review of documentation to validate servicer compliance or neglectAchieved medal for 449 files completed while maintaining 100 percent quality in July 2014Dec 2012 – June 2013 (with Digital Risk)Mortgage UnderwriterPerformed detailed and accurate mortgage calculations such as income and cash to closeReviewed FHA/HAMP files to determine eligibility for waterfall workout optionsCreated spreadsheet workflow which company has implemented and underwriters are using today to increase productivity and eliminate errorsTop underwriter on team during the first production month

Top Performer Award from Feb to Sep 2010, Underwriter of the Year 2011Team lead; Assisted new hires by creating training materials such as Process FlowModified executive complaint files from the Office of the CEO and State AttorneyPerformed Front End Underwriting tasks such as the review and analysis of loan applications, data verification and approvals, while maintaining communication with internal originators and investorsHandled complex cases that included multiple investments, foreclosure properties and NACA/HPO escalationsTranslated hardship letters and financial documents for Spanish clientsSenior Loss Mitigation Specialist/Underwriter (with JPMorgan Chase)Analyzed borrower’s financial position to determine eligibility for Loss Mitigation options that include loan modifications, short sales, deed in lieu or foreclosure, repayment or forbearance plansMet and exceeded performance goals of over 150 percent and 95 percent qualityMaintained individual productivity while assisting associates, new hires, escalations, file assignments and settlementsNegotiated with real estate agents and attorneys to mitigate losses to the companyCreated short sale approval worksheet and checklist to help improve team ability