• Manage a team of mortgage loan processors to ensure that they are meeting company expectations and productivity goals by helping them manage their individual pipelines and provide support with complex mortgage transactions.

• Manage an active pipeline of 40+ mortgage applications in the wholesale side from pre-underwriting review through closing and funding.

• Gather and review the client’s documentation and validate the client’s data on our internal proprietary portal to ensure that the mortgage application still meets the minimum underwriting requirements based on the verified information.

• Submit loans for underwriting review, order third-party items such as appraisal, title documents, payoffs, etc., follow up with clients and request documents to clear lender conditions, set up closings, and ensure that the loans fund without any delays.

• Proficient in conventional, VA, FHA and Jumbo products.

• Proficient using mortgage portals such as Encompass, and different lender portals in the wholesale side such as Rocket Mortgage, Loan Depot, UWM, Plaza Home Loans, HomePoint Financial, and Caliber.

• Knowledge of Fannie Mae and Freddie Mac findings and familiar with running findings in Encompass and reviewing each investors findings to properly condition a mortgage application.

• Experience working on state and private audits of loan portfolios.

• Oversee and manage a team of underwriter analysts across two business lines (Refinance and In-school Origination).

• Process quality assurance checks on all applications after underwriter approval and before disbursement to ensure data quality, document integrity and accuracy.

• Track volume through each step of the application process to maximize conversion.

• Review analyzing and underwrite loan applications with Sr. Underwriter approval authority.

• Analyze consumer credit reports and the impact of the credit reports data to our proprietary risk review model.

• Review documentation to verify the borrower’s identity, loan amounts, and income. (Tax returns both business and personal, pay stubs, loan statement, identifications, and any other necessary documentation)

• Experience verifying and calculating consumer lending ratios such as DTI, LTV and FCF.

• Experience presenting training materials, updates and refreshers to the operations team.

• Construct data models using Excel and SQL to provide and escalate process improvements to the current underwriting workflow based on underwriting document rejection and conversion metrics.

• Responsible for all aspects of the credit cycle from origination through closing following Insurent’s underwriting guidelines with approval authority up to $10,000.00; second highest in the company.

• Reviewed applications for accuracy before processing them.

• Processed applications through Insurent’s proprietary underwriting system, assessed the applicant’s risk and requested the necessary documents.

• Analyzed credit reports to identify derogatory credit such as collections, judgments, delinquencies and bankruptcies.

• Reviewed all documents submitted by the applicants to verify identity, employment, annual income and free cash flow, including bank statements to determine appropriate levels of cash and liquid assets.

• Analyzed monthly rents to annual income ratio to determine if applicants meet rent multiple based on guidelines.

• Communicated with applicants, brokers and landlords to ensure that transactions closed in a timely manner.

• Reviewed and underwrote prime and subprime consumer loan products such as credit cards, auto loans, personal loans, lines of credit, student loans and Home Equity products.

• Analyzed and processed indirect auto loans using systems such as CUDL and Dealer Track.

• Provided excellent analytical skill when reviewing consumer credit reports from different credit bureaus and lending ratios to determine the appropriate interest rate based on borrower’s risk.

• Verified borrower’s income and identity using the appropriate documentation based on credit union guidelines and procedures.

• Reviewed loan documents such as closing agreements, appraisals, commitment letters, rate lock agreements, and consumer lending disclosures for secured and unsecured loans.

• Communicated with vendors, brokers, and borrowers, answering questions and concerns in person, by phone or email.