Michael Koerner Email & Phone Number

Greater Milwaukee

*Reviewed all mortgage applications and supporting documents to ensure all necessary information is included for approval.*Researched applicant’s employment and financial history to help determine the accuracy of application and documents*Ensured once all information is gathered that it is accurate, compliance standards are met, and it is in congruence with company policies

•Audited FHA, VA, FNMA, FHLMC, Conventional and Jumbo mortgages.•Calculated and verified retirement, wage and all forms of self-employment income. •Verified the appraisal, credit report, Flood Cert, LE, CD, Insurance Dec Page, Mortgage, Note, Title, and 1003 are accurate and dated within regulatory requirements.•Researched and sent written responses to investors regarding repurchase request.

Greater Milwaukee Area

• Determine appropriate recommendations subject to underwriting guidelines • Independently perform financial analysis on borrowers• Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors

• Coached and trained team members on new information and monitored performance and productivity which resulted in consistency of policies and procedures. • Assisted in writing job aides used for underwriting mortgage modifications• Ensured quality assurance procedures were followed by underwriters.

Approved and denied home equity loans for customers based off of credit worthiness. Would use DTI, CLTV, and credit score to determine the amount of the loan and rate that could be offered to the customer.

Would review title and appraisals in order to approve customers for home equity loans.