Steven Langenkamp Email & Phone Number

Jacksonville, Florida, United States

• Responsible for Governance and Planning regarding the timely completion of the Know-Your-Client (KYC) reviews in accordance with Anti-Money Laundering (AML) requirements.
• Monitor files utilizing a reporting suite for global Client Life Cycle Management (CLM) group to ensure files are completed in a timely manner and are restricted if the KYC is not completed.
• Responsible for coordination of documentation of the process, procedures, playbooks, and communication relative to the Global process for the CLM in support of resolution of incorrect data points critical to AML/KYC.

United States

• Underwrote Conventional residential first mortgages to FNMA policy.
• Analyzed fraud reports to identify potential issues such as misrepresentation of employment, income, debt and/or occupancy.
• Participated in special projects to help facilitate production and Underwriter coaching.

Remote

• Recognized among the top 4 Underwriters; Selected to finish up the Stearns pipeline after acquisition by GR.
• Underwrote Conventional residential first mortgages to FNMA policy.
• Analyzed fraud reports to identify potential issues such as misrepresentation of employment, income, debt and/or occupancy.
• Certified for Self-Employment review, Purchase and Refinance.
• Communicated with MLO and Processor to ensure a clear understanding around needed documentation.

Jacksonville, Florida, United States

• Reviewed Conventional, Jumbo, FHA, VA and Rural Development (USDA) files, both pre-funding and post-closing, to determine file quality for risk mitigation and submission to Investors.
• Analyzed fraud reports to identify potential issues such as misrepresentation of employment, income, debt and/or occupancy.
• Provided quality feedback to production staff and management.
• Utilized and maintained multiple Excel reports for tracking quality review assignments and feedback.
• Developed and reviewed internal control test plans, performed testing across mostly mortgage-related business units to evaluate their operating effectiveness in accordance with government regulations and established.

Jacksonville, Florida, United States

• Completed forensic underwriting review of loan files for determining whether program-specific guidelines were adhered to and identified quality issues such as misrepresentation of employment, income, debt and/or.
• Identified red flags that should have alerted the origination Underwriter to possible fraud/misrepresentation.
• Completed a claim package wherein misrepresentation or other critical quality issues were identified.

Jacksonville, Florida, United States

• Reviewed prepaid credit card cardholder agreements and fee tables for errors in consistency, comparing them to an internal database.
• Created macros in Excel which leadership adopted and implemented to help automate and expedite the audit process.

Jacksonville, Florida, United States

• Underwrote Conventional and Jumbo residential first mortgages to Zippy, DU or LP guidelines.
• Analyzed fraud reports to identify potential issues such as misrepresentation of employment, income, debt and/or occupancy.
• Over 8 months as Private Client underwriter with lending authority to 1.5 million in East Coast market.

Jacksonville, Florida, United States

• Underwrote 1st mortgages nationwide to DU/Fannie Mae guidelines and with Jumbo lending authority to $750,000.
• Communicated loan decisions to wholesale brokers and correspondent lenders.

Jacksonville, Florida, United States

• As Team Workflow Coordinator/Assistant Manager (1 year, 2 months), served as subject-matter expert and assisted 8 teammates with MCE loan approvals.
• Monitored loan volume of production associates and provided coaching as needed.
• As Escalation Workflow Coordinator (6 months), received and addressed escalation calls from Loan Officers, Lending Managers and Closing Agents to help expedite production.
• As Junior Underwriter (1 year 4 months), was certified as a Mortgage Credit Examiner for FHA with lending authority to $417k. Authorized for final review of credit, income and assets.
• As Mortgage Processor (9 months), processed first mortgage FHA and VA purchase and refinance loans.
• Consistently recognized by management for exceeding quality and productivity expectations.

Fort Pierce, Florida, United States

• As Mortgage Underwriter (2 years), reviewed first mortgages, including manufactured home and construction/perm financing.
• Lending authority to $417,000.
• As Mortgage Processor (6 months), was consistently recognized by management for exceeding quality and productivity expectations.
• Conventional First Mortgages, Construction/Perm, End Loans, Condo/PUD, Manufactured Home, Lot, Cross-Collateralization, Bond, USDA and SHIP.

Vero Beach, Florida, United States

• Trained new subscribers in using the online construction bid/job search product.
• Assisted customers needing online technical assistance.
• Contributed to development of corporate website.

Columbus, Ohio, United States

• As Project Management associate (3 months), assisted with development of databases and associated queries involving facilities, employees, and company asset location (physical mortgage files and hardware).
• As Mortgage Underwriter (1 year), underwrote 2nd loans/HELOCS to conventional DU/LP guidelines.
• As Mortgage Processor (9 months), Collected appropriate loan documentation through consistent communication with borrowers. Worked closely with Underwriter.
• Maintained loans in process and provided updates to brokers via fax and phone.
• As Sales Closing Administrator (9 months), verified final closing requests from mortgage brokers for accuracy.
• Reviewed Title reports and prepared loan closing documentation.

Columbus, Ohio, United States

• As Mortgage Loan Consultant (1 year, 1 month), originated first and second mortgages for portfolio, agency and non-agency Investors in the Direct Lending department.
• As Mortgage Loan Counselor (1 year), assisted mortgagors with setting up a repayment schedule to bring delinquent mortgages current and mitigate foreclosure.