ALLEN WHITLOCK
Senior Mortgage Underwriter
Fort Worth,TX
Summary
Meticulous Senior Government Underwriter with over 15 years of experience working with, high-risk, jumbo, and non- conforming mortgage loans. Extensive training background with expertise in scenarios, loan support, and exceptions to overlays in conventional, non- conforming and government. Subject Matter Expert (SME) for condominiums, co- ops, and manufactured homes. Solid working knowledge of FHA, VA, USDA, FNMA and FHLMC policies and guidelines, including 184 Tribal, 203(k), and Reverse Mortgage (HECM). Detailed oriented and committed to accuracy, meeting deadlines, and providing outstanding customer service. Highly effective skills, expertise, and commitment to continued quality improvement brings value to any organization.
Overview
12
12
years of professional experience
Work History
Senior Mortgage Underwriter and Trainer
STG Mortgage dba AT Lending
Fort Worth (remote), TX
12.2021 - 06.2022
- Verified loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals, property valuations, and title to determine mortgage loan risk based on sound underwriting decisions.
- Determined loan eligibility and approved or rejected applications based on Agency, portfolio and investor guidelines.
- Utilized complex financial statements, including personal and business tax returns, to calculate debt-to-income ratios and analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Researched applicant employment and financial histories to confirm document accuracy and resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Developed relationships with broker and real estate community by providing frequent updates on loan status.
- Communicated with applicants and internal team members to discuss identified conditions needed for approval.
- Supported system administrators for loan origination software by maintaining loan product definitions and specifications.
- Liaised with lenders, appraisers and other third parties to communicate needs and requirements.
- Resolved pre and post-closing issues relating to underwriting issues.
- Trained newly hired top talent to fill key positions and maximize productivity.
- Facilitated orientation and training classes to communicate policies and procedures to new hires.
- Conducted training classes for employees on features and operation of products, client tools and processes.
- Prepared hard copy training materials, module summaries, videos and presentations.
- Created tests, exercises and role-plays for courses to verify competency.
- Provided constructive feedback and positive reinforcement to keep trainees motivated.
- Developed and coordinated trainings to help individuals learn company policies and procedures and job tasks.
- Evaluated individuals regularly for progress or growth potential to guide decisions regarding advancement and additional training.
- Maintained underwriting pipeline of 70 plus loans monthly.
Senior Mortgage Underwriter
InterFirst Mortgage
Fort Worth (remote), TX
05.2021 - 10.2021
Senior Mortgage Underwriter
First Centennial Mortgage Corporation
Fort Worth (remote), TX
06.2020 - 04.2021
Senior Mortgage Underwriter and Trainer
Recovco Mortgage Management, LLC
Irving, TX
10.2010 - 09.2019
Education
Coursework toward Bachelor of Business Administration -
CUNY Borough of Manhattan Community College
01.2007
Coursework toward Bachelor of Business Administration -
University of Louisiana At Monroe
01.2003
Skills
- Application Review
- FHA / VA / USDA
- Community Lending
- Adaptability
- LexisNexis Software
- Loan File Maintenance
- Income Evaluation
- Corporate Financial Statements
- Attention to Detail
- Terms Definition
- Credit History Review
- Tax Liability Calculation
- Problem Solving
- Financial History Analysis
- Creditworthiness Determination
- Property Evaluation
- Automated Underwriting System (AUS)
- Loan File Review
- Payment Schedule Computation
- Customer Relations
- Multitasking and Prioritization
- Remote Video Conferencing
- Time Management
- Sound Judgment
- Complex Problem Solving
- Microsoft Office
- Fraud Detection and Prevention
- Decision Making
- Analytical and Critical Thinking
- Verbal and Written Communication
- Active Listening and Learning
- Oral and Written Comprehension
- Customer Service
- Process Improvement
- Staff Management
- Database Management
- Course Materials Development
- Class Lecturing
- Program Monitoring and Tracking
- Orientation and Onboarding
- Quality Assurance
- Training & Development
- Critical Thinking
- Team Management
- Relationship Building
- Reliable & Trustworthy
CERTIFICATIONS
FHA Direct Endorsement Underwriter
Texas Commissioned Notary Public
PROFESSIONAL REFERENCES
Available upon request
Timeline
Senior Mortgage Underwriter and Trainer
STG Mortgage dba AT Lending
12.2021 - 06.2022
Senior Mortgage Underwriter
InterFirst Mortgage
05.2021 - 10.2021
Senior Mortgage Underwriter
First Centennial Mortgage Corporation
06.2020 - 04.2021
Senior Mortgage Underwriter and Trainer
Recovco Mortgage Management, LLC
10.2010 - 09.2019
Coursework toward Bachelor of Business Administration -
CUNY Borough of Manhattan Community College
Coursework toward Bachelor of Business Administration -
University of Louisiana At Monroe
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