Andrew E. DiNobile
Beacon,NY
Summary
Detail oriented and goal driven professional offering 20 years of experience combined as processor and underwriter in comprehensive knowledge of Conventional, Jumbo and Government underwriting guidelines. Consistently demonstrating proficiency in credit, income, and asset analysis in evaluating the financial strength of borrowers to determine risk and repayment capacity. Loan compliance experience to offer vast knowledge of federal compliance regulations and guidelines. Excellent communication and customer service skills to foster growth of the company. Team player with leadership and training skills.
Overview
13
13
years of professional experience
Work History
Loan Originator & Retirement Mortgage Specialist
Fairway Independent Mortgage Corporation
2022.01 - Current
- Originate, review, process, close and administer customer loan proposals.
- Examine customer loan applications for loan approvals and denials.
- Collect information from banks, institutions and employers to assess applicant eligibility.
- Resolve discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Act as subject matter expert for underwriting guidelines to assist other loan originators with loan qualification and documentation requirements.
- Update borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Collaborate with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Obtained certification to originate reverse mortgage applications.
Underwriting Manager
Better Mortgage Inc
2020.09 - 2022.01
- Managed and lead a team of Underwriters and Underwriting Team Lead responsible for Conventional and Jumbo loans.
- Coordinated with Senior Management to manage daily priorities and achieve team goals.
- Monitored Underwriter production, qc defects, workflow and provided results for reviews and one on one discussions.
- Implemented performance plans for those who did not meet company metrics.
- Reviewed and provided resolution for customer loan escalations.
- Communicated daily with cross functional teams, including Processing, Origination and Closing to offer support and facilitate the loan process.
- Provided support for complicated scenarios and difficult underwriting decisions.
- Created frequent team meetings and individual discussions with Underwriters.
- Analyzed loans recommended for denial to find a possible solution or workaround.
- Conducted performance reviews for Underwriters.
- Managed vacation, sick and time off requests in accordance with production/workflow.
- Maintained daily production metrics and assign loans for those out of the office.
- Interviewed and hired qualified and skilled underwriter candidates both internally and externally.
Senior Mortgage Underwriter
Better Mortgage Inc
2018.07 - 2020.09
- Underwrote conforming, high balance and Jumbo loans according to government guidelines as well as internal and investor overlays.
- Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.
- Maintained meticulous attention to detail in underwriting while evaluating the financial strength of borrowers to determine risk and repayment capacity.
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
- Trained and assisted new hire underwriters on company policies and procedures as well as company's proprietary loan software.
- Actively participated in company meetings offering insights into process improvements and guideline interpretations.
- Ensured compliance with all government regulatory requirements and mitigating losses by identifying potentially fraudulent information.
Senior Mortgage Loan Processor
Fairway Independent Mortgage Corporation
2011.03 - 2018.06
- Proficient in Fannie Mae, Freddie Mac, Federal Housing Administration, Veteran Administration and Jumbo guidelines and analysis.
- Review income, asset, credit and collateral documentation for all loans and submit as one touch file to underwriter for sign-off.
- Prepare detailed cover letters citing specific guidelines for income calculation, assets, credit and collateral to comply with investor requirements.
- Assist loan officers with proper structuring and set-up of loans to ensure borrower is qualified and loan is appropriate.
- Act as compliance officer and prepare all loan disclosures for proper compliance with Federal law.
- Field all questions from customers, processors, loan originators, correspondent lenders and attorneys offering answers and solutions to maintain excellent customer service.
- Implement policies and procedures for maintaining proper file flow and train loan officers on proper loan submission.
- Produce monthly production and projection reports and provide to management to assess branch current and future profitability.
Education
Bachelor of Science - Business Economics
Plattsburgh State University of New York
PlattsburghSkills
- Jumbo and Conventional Guidelines
- Freddie Mac and Fannie Mae Guidelines
- Loan Processing
- Loan Underwriting
- Data Entry and Analysis
- Credit Risk Analysis
- Federal Loan Regulations and Compliance
- Ability To Multitask
- Superior Communication Skills
- Training and Mentoring
- Team Player
Timeline
Loan Originator & Retirement Mortgage Specialist
Fairway Independent Mortgage Corporation
2022.01 - Current
Underwriting Manager
Better Mortgage Inc
2020.09 - 2022.01
Senior Mortgage Underwriter
Better Mortgage Inc
2018.07 - 2020.09
Senior Mortgage Loan Processor
Fairway Independent Mortgage Corporation
2011.03 - 2018.06
Bachelor of Science - Business Economics
Plattsburgh State University of New York
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