Keith Tidwell Email & Phone Number

Lewisville, Tx, Us

Highland Village, Tx

Underwriting Conventional, Renovation Loans, Jumbo, FHA, VA and USDA loans primarily in Texas and support all other Regions in CA, Mtn West, Mid West, Mid Atlantic, NE and SE.

Review, analyze third party originated mortgage paper from Mortgage Brokers/Bankers to ensure loan files meet current Fannie, Freddie, FHA and Everbank guidelines.

Direct Endorsed Government UnderwriterReceived DE Chums ID after completion of six weeks FHA classroom training and successfully completing approximately 40 test cases. Test Cases consisted of Initial Credit Decisions, Appraisal Reviews, Resub Condition Reviews and Finals. Key Achievements• Completed Test Cases ahead of schedule, required to complete within 90 days after classroom training, received Chums ID within 60 days.• Top Producer in ten unit underwriting team .• Exceeds UW producing goal of completing one file per hour – minimum of 8 per day.• No defects/uninsureable loan incidients.

Opened and managed wellness spa, overseeing all operations and staff. Created business plan focused on penetrating new market for German spa-service technology. Developed and implemented marketing and sales strategies to drive client base expansion. Secured business financing. Maintained strong client relations, conducting product and service presentations. Managed bills, payroll, and website maintenance.Key Achievements•Successfully launched start-up business, building client base from scratch.•Identified and marketed new spa treatment technology in Dallas Fort Worth area.

Mortgage banking firm buying and selling prime and non-prime loans to Wall Street / Investors. Built new branch in Dallas, managing branch operations and profit-and-loss goals while supervising team of 3 Sales staff and 3+ Office staff. Acted as Account Executive with full underwriting and exception authority. Maintained strategic relationships with Mortgage Brokers to drive loan volume growth. Pre-graded loan scenarios and issued final loan approval / underwriting to in-house and Investor guidelines. Reviewed appraisals, titles, credits, and income documentation for closings. Created monthly payroll and loan volume reports for corporate office. Acted as company representative at loan fraud legal proceedings.Key Achievements•Maintained position as a Top 3 Producer for entire 10-year tenure with company.•Grew Dallas office from $0 million to ~$80 million loan volume in 8-year period.•Achieved exceptionally low loan deviation ratios, <1%, each year of tenure.

Oversaw 8+ Office staff, reviewing 25 to 50 loan scenarios daily and issuing pre-approval commitments. Led 2nd-look pre-approvals with Brokers daily. Underwrote 10 to 20 final loan approvals daily and reviewed final loan approvals performed by team. Key Achievements•Enhanced team performance by effectively training Junior Underwriters and Account Executives. •Drove business growth and delivery of high level of customer service by conducting outside sales calls in collaboration with Account Executive.