Michael Weinbach Email & Phone Number

Seattle, Washington, United States

• Review loans for quality assurance, misrepresentation and risk. Analyze and report on loan quality issues. Identify potential fraud and investigate methods of resolving potential issues and well as monitoring.
• Structure and underwrite large loans in collaboration with various stakeholders. Ensure that financing structure and underwriting quality are within acceptable risk parameters. Negotiate changes, approve transactions.
• Manage daily team activities related to reviewing loans. Communicate the firm underwriting guidelines, policies and operating procedures to staff and external customers.
• Monitor loan quality. Provide recommendations to lenders on methods of improving loan quality and integrating technology in loan underwriting processes.
• Provide lender training on loan underwriting, quality control, affordable housing lending and use of technology.
• Resolve complicated repurchase or make whole requests. Investigate lender responses and rebuttals to resolve significant issues.

Atlanta, GA

• Collateral risk assessment through forensic underwriting of loans provided by clients, many of which are seriously delinquent, inclusive of foreclosed properties in an effort to reduce the overall risk to the insurer.
• Oversee a staff of underwriters working through the file auditing and quality control processes supporting Fannie Mae project
• Create and Coordinate the process flow for reviews of early payment default and post foreclosure defaults for Fannie Mae
• Maintain complete records of inventory and supply weekly reports to Senior Management, clients and staff regarding volume and summary of results

Norcross, GA

• Manage Operations staff of 25+ for Retail & Wholesale divisions of Home Construction Lending & the FHA unit of the Mtg Professionals Group
• Oversee an average of $90 to $100 million in monthly loan closings, ensuring compliance & customer focus
• Serve as subject matter expert & key point of contact with Central Mtg Operations in Home Construction Lending & FHA origination, underwriting & training
• Provide intake, disclosures, loan processing, underwriting & closing support for over 30 loan officers in the regions
• Responsible for opening & hiring operations staff for the Central region in Dallas, TX
• Actively involved in process improvements in an effort to standardize workflow to conform with Central Mtg Operations

Atlanta, GA

• Supervise staff of 20 employees including Data Entry Clerks, Junior Processors, Senior Processors, Underwriter, Closer and Loan Officers.
• Responsible for daily production of conventional, non-conventional, sub-prime and Government loans, compliance and quality control for over 22 investors.
• Established new policies and procedures for start-up office, becoming the second highest producing and most profitable branch in less than three months.
• Integrate pricing and origination with the processing and marketing functions to facilitate a smooth operation, resulting in all employees taking responsibility for a solid team structure

Tucker, GA

• Supervision of thirteen loan processors and responsible for the coordination of daily pipeline activity with four underwriters, four closers and team assistants in mortgage loan processing of conventional, FHA and VA.
• Support seven sales offices in Missouri, Iowa, Texas, Arkansas and Kansas, which included over 70 loan originators.
• Obtained DE Certification from HUD