William Michael Thomas Email & Phone Number

Chandler Arizona

Harris And McKellips. Harris Is Between Gilbert And Stapley Mesa Arizona

• My position and responsibilities were to review individual applications for mortgage loans, to evaluate degree of risk involved and determine acceptance of applications. As a member of the team, my tasks would be.
• Approving loans within specified limits, and refer loan applications outside those limits to management for approval.
• Analyzing applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtaining, compiling copies and assessing of loan applicants' credit histories, corporate financial statements, and other financial information.
• Reviewing and updating credit and loan files.
• Reviewing loan agreements to ensure that they are complete and accurate according to policy.

Contractor: Performed second level review for HUD's Emergency Homeowners' Loan Program (EHLP)Reviewed loan documents provided by HUD's Counseling Agency to determine borrower's eligibility and verify that all the required loan documents are present. In performing these reviews verify that all the required documents satisfactory meet the criterion as.

Tempe, Az.

Contractor: Reviewed, evaluated, and synthesized data to confirm loan viability and salability. Identified risk issues and potential fraud. Analyzed loans with guideline exceptions and determining if approval is warranted. Audited and underwrote loan files for quality and accuracy. Recommended underwriting quality and general operational improvements based.

Distributive Retail. I reported to Senior Management on Production, Quality, Risk and Operations. Direct oversight and responsibility for mortgage loan Departments of Set-up, Processing, Underwriting, Closing, and Post Closing with emphasis placed on Associate Development, Customer Satisfaction and Loan Quality

Chandler, AZ

Contractor: Senior Quality Control Auditor for Wells Fargo Bank from January 8, 2009 – March 28, 2009. My primary responsibilities were to review and audit the actions and decisions of mortgage underwriters prior to loan commitment or post closing with respect to accuracy and compliance to institutional and investor guidelines. Contractor: Senior QC.

Scottsdale, AZ. 85258

Responsibilities included management and supervision of staffing and underwriting with regard to financial management and administration (budgeting, accounting, auditing, financial reporting, and the rules, regulations) areas of financial administration.

Reviewed selected loan files, identified instances of lender compliance with guidelines, possible misrepresentation and data integrity issues. Clearly and succinctly documented observations noted in each loan and accurately recorded information in written summary. Summary findings were then communicated to management, lender-client personnel and relevant.

Underwriting, compliance and quality control administrator and department administrator performing auditing and analysis for adherence to federal, state and institutional guidelines and regulations that apply to the origination, disclosure, processing and funding of first and secondary loan instruments secured by real property

Freddie MacAreas of responsibility included all areas of operation and fiscal management for eight branches in four states and 123 full time employees. CertificationsMortgage Fraud Detection CertificationDirect Endorsement Underwriter Certified HUD (Active CHUMS #)State of Arizona Teaching Certificate Business and Business Marketing