Aaron Hopson
Nauvoo,AL
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
32
32
years of professional experience
Work History
Manufactured Home Loan Originator, Underwriter
CIS Financial Services, Inc. Dba CIS Home Loans
10.2002 - Current
- Submitted loan applications to underwriter for verification and recommendations.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Examined customer loan applications for loan approvals and denials.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Established long-term relationships with clients, ensuring repeat business and maintaining company reputation for excellence.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Demonstrated proficiency in multiple lending platforms for seamless integration into various banks'' systems.
- Excellent communication skills, both verbal and written.
- Skilled at working independently and collaboratively in a team environment.
- Ensured compliance with FHA guidelines by conducting thorough audits on approved loans for accuracy and completeness.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained high-quality standards in underwriting decisions by staying up-to-date on industry regulations and guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Supported team members in developing their underwriting skills through knowledge sharing and coaching sessions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Fannie, Freddie, FHA, VA and USDA
Manager
Enterprise Rent-A-Car
07.1998 - 10.2002
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Drove operational efficiency through data-driven decision-making processes, leveraging analytics tools for informed strategy development.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Loan Underwriter
Norwest Mortgage
07.1992 - 07.1998
- Enforced company policies consistently while handling disciplinary actions when necessary with fairness and respect.
- Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills.
- Made approval and denial recommendations by determining accurate risk levels.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Education
Bachelor of Arts - Finance And Business Administration
University of North Alabama
Florence, AL05.1992
Skills
- Government Lending
- Mortgage Loan Processing
- Mortgage lending
- Decision-Making
- Desktop Underwriter
- Loan Origination
- Property Appraisals
- Credit analysis
Timeline
Manufactured Home Loan Originator, Underwriter
CIS Financial Services, Inc. Dba CIS Home Loans
10.2002 - Current
Manager
Enterprise Rent-A-Car
07.1998 - 10.2002
Loan Underwriter
Norwest Mortgage
07.1992 - 07.1998
Bachelor of Arts - Finance And Business Administration
University of North Alabama
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