Peter St. John Email & Phone Number

Grand Rapids, Mi, Us

• Analyzed submitted files for repayment capacity, collateral, and adherence to credit policies and guidelines.• Expertise in underwriting for FNMA/FHLMC, FHA, VA, and USDA loans.• Proficient in automated underwriting programs: DU, LP, GUS; Encompass, and Lender Tool Kit Ai underwriting software.• Led implementation of AI underwriting software across the organization.• Department lead for Scenario desk covering all programs & Loan Officer / Processor questions.• Collaborated with upper management and post-closing departments to streamline UW processes, improving the utilization of available software, like encompass and Microsoft & Lender Tool Kit.• Manage all non-delegated loan pipelines from submission to close.Mortgage Bankers Association CRU designation 2022

Grand Rapids, Michigan, United States

Residential Division:• Originated residential loans adhering to FNMA/FHLMC, FHA, VA, and USDA guidelines.• Verified loan requests, evaluated assets, and income data, and ensured underwriting guideline compliance.• Analyzed financial statements, tax returns, and credit documentation.• Managed production pipeline flow, cleared loan conditions, and met critical deadlines.• Advised Loan Originators & Processors on loan programs and structuring.Commercial Division:Commercial Division:• Originated & processed commercial loans, including startups, lines of credit, and equipment financing.• Processed over 75M in Commercial loans and lines of credit.• Verified loan requests, evaluated assets & income data, and ensured underwriting guideline compliance.• Analyzed financial statements, production reports, tax returns, and credit documentation.• Identified and resolved property-related title issues.

Western Michigan

I created a Brokerage to satisfy my appetite for real estate investment properties. I've purchased and rehabbed 45 properties. I was a member of the Commercial Alliance of Realtors, Grand Rapids Assoc. of Realtors, and National Assoc. of Realtors, and Director of the Realtors Land Institute, Michigan Chapter.

Grand Rapids, Michigan, United States

• Instrumental in 440% growth in two years, managed 450 closed loans annually.• Oversaw underwriting, processing, compliance, quality control, and post-closing departments.• Developed and implemented procedures, and policies for processing, closing, and underwriting in creating policy and compliance manuals for all departments.