Ammar Al Husari

Evaluating and underwriting all mortgage loan types and equity loan products according to specific state and federal requirements to limit and mitigate the risk exposure. Analyzing required loan documentation and information presented in the mortgage loan request in order to condition and make appropriate loan decisions based on the acceptability of the credit risk using established guidelines, secondary market investors, and applicable state and government regulations.

Responsibilities:

• Conducted comprehensive credit risk analyses on residential mortgage and equity loan applications by evaluating borrower income, assets, liabilities, credit history, and collateral adequacy.
• Assessed financial risk exposure and made analytical recommendations on loan acceptability in alignment with investor, secondary market, and regulatory requirements.
• Performed exception analysis and policy deviation reviews, recommending alternative lending structures to mitigate credit risk.
• Evaluated property valuations, appraisals, and marketability to ensure sufficient collateral coverage and risk mitigation.
• Analyzed self-employed borrower financial documentation, including tax returns and cash-flow trends, to assess sustainability of income.
• Prepared analytical counter-offers and adverse action recommendations based on quantitative and qualitative risk factors.
• Collaborated with lending, compliance, and risk teams to ensure regulatory adherence and portfolio quality.
• Provided mentorship and technical guidance to junior analysts and underwriting staff on complex credit risk scenarios.

Manage the timely and accurate payment of real estate property taxes in accordance with established policies, procedures, and regulatory guidelines to mitigate risk and financial loss. Coordinate with clients and internal real estate lending teams to ensure compliance and prevent penalties or property damage related to tax delinquency. Maintain adherence to SLAs and quality standards while addressing client inquiries related to property tax issues, changes, and escalations. Track, analyze, and report trends or recurring issues in the property tax process to leadership to support continuous improvement.

Responsibilities:

• Balance disbursement reports and coordinate payment via wiring of funds to pay property taxes or manual payment.
• Post deficiency payments and make appropriate payment adjustments based on escrow shortages or overages.
• Review, research, and verify monthly outstanding check report to determine if check has been cashed.
• Monitor and collect necessary documentation to determine payment of non-escrowed loans.
• Coordinate with internal departments to provide accurate supporting information and documentation for real estate taxes to prepare and deliver to appropriate parties.
• Reconcile tax refunds to monitor proper handling of funds.
• Research and investigate discrepancies in tax payments due to missing or inaccurate information.
• Stay abreast of and ensure compliance with payment schedules, applicable federal, state and industry laws, regulations and guidelines.
• Develop, recommend and document adjustments to workflow to streamline processes.

Deliver comprehensive banking solutions to existing and prospective clients, including deposit products and mortgage and equity lending, while independently performing advanced platform banking functions and mentoring junior staff.

Responsibilities:

• Advise current and prospective clients on mortgage and home equity products, including application assistance and approval requirements.
• Evaluate client lending needs, including first-time purchases and refinances, and recommend appropriate solutions.
• Maintain up-to-date knowledge of lending rates, market trends, and regulatory changes impacting mortgage products.
• Accurately process moderately complex client transactions, including payments, transfers, deposits, withdrawals, and cash advances.
• Function as a universal Member Service Representative, seamlessly supporting cash, platform, and related banking operations.
• Ensure compliance with all applicable federal and state laws, regulations, policies, and security requirements, including fraud and identity risk awareness.
• Deliver professional, prompt, and high-quality service while researching and resolving moderately complex account and loan issues.