Michael Edwards Email & Phone Number

Charlotte, Nc, Us

• Ensure all loans are underwritten in strict accordance with all required guidelines, including Investors, FNMA, FHLMC, FHA and VA plus any overlays by RoundPoint Mortgage Company• Extensive Mortgage Underwriting audit review requiring in depth Conventional, FHA and VA policy knowledge.• Write prefunding/post funding audit policies and procedures, implement software integration for audit, coordinate audit team findings to implement audit plans; including audit background, preliminary… Show more • Ensure all loans are underwritten in strict accordance with all required guidelines, including Investors, FNMA, FHLMC, FHA and VA plus any overlays by RoundPoint Mortgage Company• Extensive Mortgage Underwriting audit review requiring in depth Conventional, FHA and VA policy knowledge.• Write prefunding/post funding audit policies and procedures, implement software integration for audit, coordinate audit team findings to implement audit plans; including audit background, preliminary objectives/scope, audit budget, audit execution schedule, affected departments, contacts and expectations.• Review audit documentation, perform analysis, validate/document risk, finalize with CAO and write test procedures based on control QC findings and compliance checklists• Assist with tracking results of prior audits, identifying audit themes across organizations and determining if appropriate corrective action has been taken regarding significant audit concerns• Understand and adhere to all DU/LP guidelines, existing and/or changes to internal and external guidelines and processes and procedures• Maintain complete knowledge of underwriting guidelines at the Investor and Agency level• Analyze risk as it relates investment quality loans • Prepare and comprehend written and oral training materials to effectively handle all types of loan underwriting findings Show less

• Underwrote mortgage loans for the HARP program to Fannie Mae and Freddie Mac Guidelines.• Analyzed asset and income documentation including personal and business tax returns for verification.• Acted as a team lead and secondary review for all of the lower level underwriters to ensure accuracy and compliance to company policies

• Underwrote prime mortgage loans for CitiMortgage portfolio based on credit profiles• Income, Asset, and Appraisal review• Set and cleared necessary conditions to complete the loan process• Utilized Decision Engine and Desktop Underwriter• Manually Underwrites Fannie Mae and Freddie Mac Relief loans (HAMP)

Charlotte, North Carolina Area

• Worked with Fannie Mae HAMP program in conjunction with Wells Fargo• Calculated projected mortgage payments based on negotiated terms• Debt‐to‐Income calculations and analysis• Prepared documents with complete mortgage analysis for the applicants to review inorder for them to have the have a full understanding of the mortgage process• Mortgage fee calculations

Charlotte, North Carolina Area

Underwrote sub‐prime mortgage loans based on credit criteria• Analyzed income and asset documentation• Evaluated property information for the appraisal report• Examined loan file documentation for accuracy and completeness• Provided effective verbal and written communication to sales executives pertaining toloan decisions

Charlotte, North Carolina Area

• Initiated collection phone calls on past due accounts (30+ days delinquent) Completedappropriate system documentation.• Monitored individual portfolio of collection files based on credit profiles• Recommended accounts for repossession and litigation as needed• Approved extensions and recommends amendments within prescribed guidelines• Followed Auto Collections procedures which mirror FDCPA guidelines

Charlotte, North Carolina Area

• Analyzed individual credit profiles• Reviewed, processed, researched and prepared documentation and transactions forretail sub‐prime lending.• Analyzed credit score, mortgage history, rental history, foreclosure, bankruptcy anddebt to income ratios.• Worked directly with mortgage loan consultants, attorneys closing agents, underwritersand other bank personnel• Ensured quality customer service, effective and efficient operations support forborrowers and Wells… Show more • Analyzed individual credit profiles• Reviewed, processed, researched and prepared documentation and transactions forretail sub‐prime lending.• Analyzed credit score, mortgage history, rental history, foreclosure, bankruptcy anddebt to income ratios.• Worked directly with mortgage loan consultants, attorneys closing agents, underwritersand other bank personnel• Ensured quality customer service, effective and efficient operations support forborrowers and Wells Fargo during the loan process.• Managed productivity, trained and coached team members. Show less

Charlotte, North Carolina Area

• Processed government loans, analyzed ratios, availability of assets and creditworthiness.• Prepared files for closing.• Utilized Loan Prospector automated underwriting.• Acted as the underwriter on all LP accept loans.• Maintained daily customer contact.

Charlotte, North Carolina Area

Underwrote complex credit and property applications.• Made prudent underwriting decisions while ensuring compliance company standards.• Evaluated property information from the appraisal.• Examined loan file documentation for accuracy and completeness.• Provided effective communication to customers and sales executives pertaining to loandecisions.• Accurately analyze complicated financial statements.• Managed 12 loan processors, assured productivity, accuracy, and… Show more Underwrote complex credit and property applications.• Made prudent underwriting decisions while ensuring compliance company standards.• Evaluated property information from the appraisal.• Examined loan file documentation for accuracy and completeness.• Provided effective communication to customers and sales executives pertaining to loandecisions.• Accurately analyze complicated financial statements.• Managed 12 loan processors, assured productivity, accuracy, and integrity within theloan process. Show less