Steven Rogowski Email & Phone Number

Ann Arbor, Michigan, United States

• Engaged in complex tax return, financial statement, credit profile and appraisal analysis of loans• Applied sound judgment in meeting quality standards, created numerous guidelines and policies• Underwrote: Conv., Const., Jumbo, DU/LP, HFA/DPA, FHA, Dr., Habitat, Hometown Heroes• Counseled originators in application of product requirements to derive client best course solutions• Collaborated with Sr. Mgmt for tricky loan resolutions, assisted with HMDA LAR reporting• Facilitated appraisal value reconsiderations and disputes, resolved end investor audit citing’s

Ann Arbor, Michigan, United States

Residential mortgage underwriting duties, compliance duties, HMDA, ATR/QM, allocated loans to best efforts investor delivery guides. Company became a TPO channel for several independent lender shops in its final two years before being acquired by University Bank.

Underwrote Conventional, Jumbo, Stated, Paperless, A-, Manual and AUS DU/LP automated mortgage loans to comply with FNMA/FHLMC requirements, Retail and Wholesale Channels. Prepared management reports for Executive Director review of profits, volumes and budgets. Worked with IT dept. to develop query tables for identifying specific loans to be offloaded.