Skills:
FHA Direct Endorsement, VA SAR / LAPP High IQ candidate with 30+ years of practical mortgage banking / real estate experience at every level Awarded the ARU designation (Accredited Residential Underwriter) by the Mortgage Bankers Association of America, Washington D.C. Have also been a guest speaker at MBA of A conventions as a subject matter expert on underwriting operations VA SAR (# 006501) & LAPP Designations; FHA Direct Endorsement (DE) CHUMS # H793 ; NMLS # 1187462 Experienced with handling findings from FHA TOTAL Scorecard, Fannie Mae Desktop Underwriter (DU), Freddie Mac Loan Prospector (LP), Condo Project Manager (CPM), USDA RHD GUS, CLUES / CLOUT, Zippy and others. Power user of DataTrac, Empower, Encompass, Zippy, Fusion, eMagic and other Loan Origination systems Manual underwriting experience, including Chase Private Client exception requests, bank portfolio products, FHA ML [] FHA 203(K) Jumbo expertise in New York market with Condominium and Co-Operative properties and Condo / Co-Op project approvals. Non-conforming, sub-prime, non-QM lending experience Experience with real estate property appraisal desk reviews, FHA Conditional Commitments, VA Notice of Value (NOV), use of AVMs and 3rd Party anti-fraud tools (Interthinx, CoreLogic, others) Expertise with delegated underwriting for mortgage insurance, analysis of homeowners insurance and flood insurance adequacy and review of title commitments Exceptional skill levels with analysis of income, including schooling on advanced self-employed tax return income scenarios, high-wealth borrower scenarios (Chase Private Client) and Ability to Repay (ATR) rules. Traditional manual credit report assessment skills, detailed asset analysis and practical application of anti-money laundering protocols. Advanced knowledge of pre-closing compliance and post-closing remedy techniques. Strong working knowledge of Federal and State mortgage lending regulations, including recent changes to RESPA, HMDA and MDIA regulations High-level customer service skills, timely professional communication, experience developing training materials, job aids and providing guidance to internal and external customers. Years of problem-solving, troubleshooting approach designed to assist loan originators and meet service level agreements. Empowered decision maker with the appropriate balance between a sense of urgency and eye toward quality. Ability to work with minimum supervision, and work with multiple priorities and meet deadlines