Timothy Hurst Email & Phone Number

Pontiac, Michigan, United States

At United Wholesale Mortgage, I played a pivotal role in underwriting a diverse portfolio of mortgage loans, ensuring compliance with regulatory standards and internal guidelines. My responsibilities included:Underwriting Expertise: Evaluated and underwrote Conventional & FHA loans maintaining a high approval accuracy and adherence to company policies.Risk Assessment: Conducted thorough analyses of credit reports, income documentation, and property appraisals to assess borrower… Show more At United Wholesale Mortgage, I played a pivotal role in underwriting a diverse portfolio of mortgage loans, ensuring compliance with regulatory standards and internal guidelines. My responsibilities included:Underwriting Expertise: Evaluated and underwrote Conventional & FHA loans maintaining a high approval accuracy and adherence to company policies.Risk Assessment: Conducted thorough analyses of credit reports, income documentation, and property appraisals to assess borrower risk and loan eligibility.Compliance and Quality Control: Ensured all loan files met Fannie Mae and Freddie Mac Selling Guide requirements for Conventional products and met requirements set forth in the 4000.1 for FHA loans.Team Collaboration: Worked closely with mortgage broker partners, processors, and other team members to resolve discrepancies and streamline the loan approval process.Mentorship: Provided guidance and support to new senior underwriters, sharing best practices and assisting them in their transition to the role.Performance Excellence: Consistently met or exceeded productivity and quality targets, recognized for delivering high-quality underwriting decisions in a fast-paced environment. Show less