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Underwriter Credit Senior (November 2015 - August 2018)Assist Underwriters with credit-related questions for FNMA, FHLMC, and portfolio loansCompleting second-level reviews of all credit and collateral documents to validate AUS findings and final submission of loans are within guidelines set by the bank and secondary market investors including FNMA, FHLMC, and FHA.Identify and conduct training opportunities for retail underwriting teams. Work directly with management on escalated scenarios to ultimate resolution of which may involve sales, sales manager, closing department, processing staff.Resolving post- closing underwriting issues Underwriter II (September 2014 - October 2015)Production underwriter completing full underwriting reviews on conventional FNMA/FHLMC ,jumbo, and bank private portfolio loans.

Top 3 three issues most people find while working with loan officers in the mortgage business1. My loan officer wants tons of paperwork and the few times they call wants more and more2. I was told we could close on Friday but we have been pushed back for the third time3. I don't hear anything from my loan officer and I am stressed out about the processMy answer to why this happens : Lack of Experience!I have personally underwritten more loans then 99% of loan officers will ever touch in their careers. I use this experience not to "guess" what is needed or why but provide clear cut honest communication and action steps. Just like a good mechanic can listen to your car and in a few minutes figure out the issue, I do the same with loans. I don't just know the guidelines, I have trained underwriters for 9+ years on how to handle thousands of loans to meet guidelines.Trust me with your mortgage needs and let me know if I can help you with any of the top three reasons listed or any other issue!Why choose First Michigan Mortgage* In business for over 20 years (formerly known as The Watson Group)* Exclusive loan programs not offered by most local mortgage offices* Ability to help a wide range of buyersFirst Michigan Mortgage offers:Purchase, Refinance, FHA, VA, Low FICO, USDA, Jumbo, 80/10/10 and 100% LTV HELOC's

Senior officer responsible for directing Gold Star's underwriting department and credit policy. Primary functions include developing branded loan products, establishing product guidelines,fraud prevention procedures, loan underwriting procedures, and establishing a complete quality control process to deliver a high quality loan to our end investors. Additional Responsibilities and Duties:Hire and train underwriting operations staffSet credit authority levels for underwriting staffMonitor quality level of underwriting staffProvide guidance and clarification on posted guidelinesWork with senior management to resolve loan issuesSubject matter expert on DU,LP, and Government Loans

Responsible for supervising recourse pipeline for all auditors, negotiating settlements with MI companies to recover losses, and working with wholesale and correspondent clients to recover funds for recourse pursuits. Recourse audits require full review of income, assets, appraisal, closing documentation, title, servicing requirements, program guidelines, and expertise in DU/LP guidelines.Started at Flagstar as a senior conventional underwriter for the east region. Responsible for underwriting all conventional loan products offered by Flagstar Bank. Loan underwriting requires knowledge and experience with income, asset, risk assessment, fraud prevention, DU/LP guidelines and full appraisal review.

Manages the day to day operations of the on-site underwriters for 5 states covering the midwest region. Managing an average of 20-30 underwriters at national lender locations (Chase, Fifth Third Bank, Flagstar, CITI and WAMU). Worked closely with sales management to meet customer needs, achieving volume and cost objectives established by senior management. Monitors quality making sure the underwriters are adhering to PMI standards, underwriting policies and procedures. Develops and executes plan to improve quality deficiencies as identified by quality reviews and/or customer issues. Interfaces with multiple internal departments requiring strong verbal and written communication skills.

Wholesale loan officer, responsible for self generating mortgage leads for refinance, purchase, or new construction mortgages. Expert in conventional, sub-prime, and FHA loan programs. Career to date total volume (as of August 2004) $48 million (plus). Designed lead generation system that generated home buyer and seller leads by working with individuals who were in the process of selling their own homes (FSBO) that resulted in leads for other loan officers and realtor partners.

Managed satellite branch for Pinnacle equity that was based in Ohio with interest in building the Michigan market. Responsible for training and developing branch staff including loan officers, processors, and administrative assistants. Location had five loan officers with one processor average volume was $2-3 million monthly. Sales primarily generated through outbound phone calls and building realtor, builder, and accountant referral base in local area. Products originated were conventional, sub-prime, and FHA loan programs.

Contract underwriter assigned to Interfirst to underwrite wholesale loans, specialized in reviewing and approving FHLMC Alt-A products. The loan underwrite requires knowledge and experience in reviewing loan documents for income, assets, credit worthyness, LP/DU guidelines, fraud prevention procedures, and review of appraisals. Assisted PMI management with documenting and retaining all program guidelines, memo's, and internal communications by Interfirst to improve recourse prevention and provide better customer service to Interfirst from PMI. Met and exceed daily quota of 7 files per day in review.