Phil Mccarty Email & Phone Number

Charlotte, North Carolina Area

- Responsible for the underwriting of non-conforming/jumbo loan files from initial application to funding for mortgages held in Wells Fargo's portfolio.- Responsible for the underwriting of conforming mortgage loans ensuring that all Fannie Mae and Freddie Mac guidelines are met.- Thorough knowledge of complex underwriting issues pertaining to income, asset, credit and appraisal scenarios.- Worked diligently with internal and external sales partners for counter offer options when the terms of the original program request could not be met.- Ensured all mortgage compliance regulations were adhered to.- Approved lending authority of $1 million.

Fort Mill, South Carolina Area

- Analysis of customer's financial profile to determine which loan modification program would best aid in the repayment of the mortgage and prevent foreclosure.- Extensive customer service skills required to determine the root of the mortgage repayment delinquency.

Charlotte, North Carolina Area

- Responsible for the underwriting, from initial application to funding, of sub-prime and Alt A mortgage products.- Approved lending authority of $1 million.

Charlotte, North Carolina Area

- Responsible for the underwriting of conforming mortgage loans ensuring all Fannie Mae and Freddie Mac guidelines are met.- Responsible for the review and decisioning of non-conforming mortgage loan products exceeding conforming guidelines.- Along with typical underwriting duties, performed extensive review and due diligence pertaining to appraisal review and value confirmation.- Provided extensive training for employees attempting to obtain their underwriting signing authority.

Charlotte, North Carolina Area

- Responsible for the underwriting of sub-prime mortgage products ensuring all investor guidelines were met.- Reviewed files that fell outside of program guidelines and evaluated exceptions based on risks and strong compensating factors associated with the file.- Organized and taught seminars on customer service, appraisal review, asset analysis, self employed and wage earner income calculations and credit analysis to operations and sales staff.- Conducted file audits and addressed necessary concerns pertaining to guidelines and productivity issues with operations and sales staff.- Worked closely with sales managers on strategies to increase volume in each underwriter's individual market which included extensive sales training and field visits for the underwriting department.