David Waggoner
Phoenix,AZ
Summary
With over 25 years of experience in mortgage lending, possess extensive expertise in all aspects of this field, including management, coaching, leadership, team building, and mortgage operations. Skills and insights make me well-prepared to excel in the industry. Have a proven track record of success and am confident in abilities to contribute effectively to any lending team.
Overview
25
25
years of professional experience
Work History
Assistant Escrow Officer
CarefreeTitle Agency
04.2024 - Current
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings, when needed notarized documents for buyers in office.
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
Title Underwriter
Achieve Loans
11.2022 - 11.2023
- Review Title Policies to verify there are no outstanding property liens, judgments, tax liens, alternate claims of ownership, or any other encumbrances on the title policy
- The goal is to present a clear title without any defects, legal claims, or disputes, to protect the Company's position
Wholesale Underwriter
Fairway Wholesale Lending
03.2021 - 05.2022
- To analyze a Client's financial information and credit history, to determine their eligibility and then to offer the best loan products available for our Client's benefit, for refinance or purchase loans
- Also, to protect the Company's investment risk
Mortgage Consultant Associate
Union Bank
06.2015 - 03.2021
- To assist a team of five (5) Mortgage Consultants, setting up and preparing files for processing
- Reviewed automated underwriting findings, income, assests, order appraisals when needed, and any other documentation that was relevant to the loan application
- Worked directly with Sales Managers, Mortgage Consultants, Processors, Underwriters, Closers, and Borrowers
Mortgage Loan Officer
Arizona Bank and Trust
05.2014 - 06.2015
- To assist Clients in the mortgage loan application process
- Met with potential clients to determine their needs regarding the purchase or refinance of a home
- Would analyze the client's credit history, financial history, to then determine the various types of mortgage products the Company offers and then provided the best fit for their profile
- Developed and maintained relationships with local Realtors, CPA's, Attorney's, Developers, Home Remodelers and Builders
Sr Loan Closer and Funder
IMortgage
10.2012 - 05.2014
- Prepared and reviewed all closing documents for accuracy, and balanced loan settlement cost against the Title settlement statement
- Maintained timelines, set up closing dates with Clients, and completed checklist for delivery of accurate closing documentation
- Once signed, file was reviewed to ensure payos and wire amounts were accurate
- Sent out all final wires, and prepared file for post closing and purchase on secondary market
Education
Some College (No Degree) - Appraisal Review, Sales, Underwriting, Processing, Income And Asset Review, Closing And Funding, Secondary Market Review
Mortgage Banking School
Phoenix, AZSkills
- Teamwork
- Collaboration
- Relationship Building
- Financial Analysis
- Credit Analysis
- Title Review
- Quality Assurance
- Verbal Communication
- Written Communication
- Leadership
- Coaching
- Loan processing
Timeline
Assistant Escrow Officer
CarefreeTitle Agency
04.2024 - Current
Title Underwriter
Achieve Loans
11.2022 - 11.2023
Wholesale Underwriter
Fairway Wholesale Lending
03.2021 - 05.2022
Mortgage Consultant Associate
Union Bank
06.2015 - 03.2021
Mortgage Loan Officer
Arizona Bank and Trust
05.2014 - 06.2015
Sr Loan Closer and Funder
IMortgage
10.2012 - 05.2014
Some College (No Degree) - Appraisal Review, Sales, Underwriting, Processing, Income And Asset Review, Closing And Funding, Secondary Market Review
Mortgage Banking School
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