Michelle Whitnah Email & Phone Number

Wholesale DE Underwriter with Jumbo authority up to $1.5 million.Currently working in our Broker Solutions Desk, helping sales staff understand guidelines and providing second reviews to help streamline files from unnecessary conditions and requirements.

Dallas, Texas

wholesale underwriter and scenario desk SME. Worked closely with sales partners to identify and overcome potential hurdles in files prior to submission.

Dallas/Fort Worth Area

Guideline guru who assisted branches with structuring transactions, complex guideline questions, as well as completing changes to loans from the closing table in a quick, fast paced environment. Completed complex self employed income calculations to assist branches with pre-qualifying and underwriting pipeline to assist with efficiency. Experienced in Encompass, I helped train branches and underwriters with structuring complex deals in an unplugged environment, including ratio matching issues with AUS findings due to the challenges of Encompass Unplugged.

Conducted full underwrite, post close/pre-purchase quality audits for several lenders and investor clients ranging from regional lenders to nationwide powerhouses. Reviewed 5+ loans daily, including highly detailed notes regarding both errors that may prevent sale of loan as well as how the loan could have been structured differently, or underwritten differently to achieve a stronger file for sale. Experienced in Conventional, FHA, VA, and HARP umbrella loans.

Westlake, Texas

Inline Auditor: 11/2013 to 7/2015Responsible for ensuring quality resolutions to high level complaints lodged with the CFPB, OCC, Attorney General for a “Big 3” bank client. • Duties include validating research on mortgage complaints, including origination, modification, servicing involving a customer complaint regarding their mortgage loan• Due diligence including forensic underwriting of loans at origination, modification or service transfer, including but not limited to income analysis, loan payment history, DTI calculations, escrow analysis, etc • Responsible for ensuring compliance with all regulations applicable across multiple lines of business in the written response to the customer, as well as to all regulatory agencies • Maintained a 100% passing rate in audits performed by the client• Acting SME (Subject Matter Expert) on all areas of mortgage lending, from origination to servicingOrigination Underwriter: April 2012 -October 2013 Underwriter for a large regional bank client• Reviewed all aspects of a mortgage file and rendering a decision based on credit, income, asset documentation and property valuation, including qualification of wage earner and self-employed borrowers per client and investor guidelines and requirements• Manually calculated income, DTI ratios, LTVs, etc on every file• Heavy use of DU and LP, as well as client overlays to meet their investment guidelines• Consistently met all SLAs as required by client in regards to file turn times, calls and emails returned and productivity requirements of 4 files underwritten per day, files sent to closing and conditions reviewed within 24 hours of receipt• Maintained a 100% quality score - pre-funding internal audits performed by the client• SME for the client’s underwriting philosophy and their overlays, as well as FNMA and FHLMC guidelines• Trained all new underwriters on site, and mentored less experienced underwriters• Trained new underwriters offsite in Sacramento, CA

Education record

Education record