Allen Whitlock

• Conducted thorough tax research to support compliance with federal and state regulations.
• Assisted in preparing accurate tax returns for various client entities.
• Developed and maintained detailed records of tax-related transactions for clients.
• Participated in training sessions to stay updated on current tax laws and practices.
• Analyzed financial data to identify potential tax credits and deductions.
• Collaborated with cross-functional teams to streamline tax reporting processes.

• Acted as interim Underwriting Manager during company realignment.
• Evaluated mortgage applications for compliance with underwriting guidelines and risk assessment standards.
• Collaborated with loan officers to clarify documentation requirements and streamline approval processes.
• Analyzed credit reports and financial statements to determine borrower eligibility and loan viability.
• Conducted thorough reviews of complex loan files, ensuring accuracy and adherence to institutional policies.
• Mentored junior underwriters, providing guidance on decision-making processes and technical skills development.
• Implemented process improvements that enhanced overall efficiency in the underwriting workflow.
• Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Developed strong relationships with clients, realtors, and other stakeholders to facilitate smooth communication throughout the mortgage process.
• Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
• Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
• Trained junior team members in underwriting procedures and loan quality grading standards.

- Re-underwrite closed loan files, including financial documents, income, credit, and appraisals, to detect errors, fraud, or misrepresentation.
- Investigated potential fraud by re-verifying documents using resources like Lexis Nexis and collaborating with investigators.
- Ensured that previously approved loans comply with all relevant federal, state, and investor lending guidelines and regulations.
- Provided recommendations to enhance the underwriting process to prevent future issues.
- Prepared written responses to audit requests and participate in meetings with regulators, such as HUD, to address identified deficiencies.
- Prepared formal rebuttals and responses to agencies or investors to address issues identified with a loan, potentially avoiding costly buyback requests.