Mitchell Ohl Email & Phone Number

Remote

Remote

• Thoroughly analyze the hardship and financial status of delinquent mortgagors by evaluating mortgage assistance applications, income documentation (e.g., tax returns, pay stubs, 1099s), and customer communications to determine the most appropriate product to resolve delinquencies.• Precisely calculate all income types (e.g., W2, self-employment, benefit income) to determine product affordability by utilizing computation engines and manual calculations.• Tactfully and clearly communicate with customers via written and verbal communications regarding additional clarification or documentation needed throughout the underwriting process.• Evaluate insurance policies for sufficiency when applicable (e.g., hazard, mortgage, flood insurance).• Analyze bank statements for revolving debts not captured by credit reports and determine if each are to be included or excluded per policy.• Collaborate with processing partners to ensure timely decisions and maximize customer experience.

801 Walnut St, Des Moines, Ia 50309

• Utilized proficient knowledge of investor guidelines, debt ratios, and amortization schedules to structure and originate all mortgage types and investors as applicable (e.g., GSE, FHA, VA, Bank and Private).• Engaged in active listening and problem solving to provide the most effective products for customer goals.• Analyzed credit reports for derogatory accounts, fraud, inquiries, and address variations for risk assessment.• Efficiently collected and compiled required documentation through conditional application approval.