Michael Oneil Email & Phone Number

Arizona, United States

Arizona, United States

Tempe, Az

Portfolio and Conforming loan underwriter $1.1 million dollar lending authority.

Phoenix, Arizona Area

$750,000 Lending AuthorityUnderwrote conventional purchase loans, refinances, and harp loansReview submitted files for adherence to Chase credit policy and Agency guidelinesEnsured all loans met all program and product specificationsAdhered to all JP Morgan Chase fair lending practices Met all departmental goals for productivity, qualify, and turnaround timeRemained up to date on all Chase policies and procedures Expert knowledge in Du and LP.

Tempe, Az

Level C underwriting Delegation.Underwrote complex files within industry guidelinesAs underwriter 3/work director worked day to day with team of UW 2’s toEnsure all production and quality goals are met.Collaborated with Lending Managers, Lending officers, and underwritersAt various sites to help run day to day operations within investor portfolio.Event manager at approximately 30 Home Preservation Workshops and NACA events.Experience in talking to borrowers about decisionsQuality star recipient for underwriting work.Delegation to review all forms of income including personal and corporate tax returns.Handled highly escalated confidential material in professional and ethical manner

Fort Mill, Sc

Underwrote modifications and other workouts for delinquent fhlmc borrowers.Examined all types of income documentation. Exceeded all production goals sometimes as high as 160% of goal.Worked only highly escalated files from the presidents officeChosen to serve as a lead to assist in the ramp up of 100 new employees at Tempe site.Due to quality of work, knowledge, and leadership skills.Selected as underwriter for the inaugural HPW in Phoenix September 2009.

Rock Hill, Sc

Helped Wells Fargo Customers reach financial goals by recommending different loan products which I underwrote and sold to borrowers.Underwriting duties included reviewing credit reports and income docs. OrderingAppraisals and structuring deals within the lending guidelines. Reached all sales goals never bringing in less than $50k of new money in a month.Developed excellent customer services skills to all types of customers.2008 first full year finished in top 25% in region in overall sales.Branch employee of the month 3 times and district employee of the month once.Excellent team player branch manager won star performed both years I was thereThis was highest award within company.