ANTHONY WHITE
Atlanta,USA
Summary
Experienced Underwriter with over 20 years of Mortgage and customer service experience. Skilled at working with a diverse group of people and adept at building strong relationships. Recognized for excellent communication skills and problem-solving abilities. Achieved First Bank Everest Award for outstanding performance.
Overview
17
17
years of professional experience
Work History
Sr. Mortgage Underwriter
Jet Home Loans
07.2024 - Current
- Evaluated complex mortgage applications for risk and compliance with regulatory standards.
- Analyzed borrower financial documents to assess creditworthiness and loan eligibility accurately.
- Verified integrity of applicants' information to minimize fraud.
- 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.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
Underwriting Manager
First Bank Mortgage
01.2019 - 01.2023
- Handled underwriting escalations and reviewed Jumbo Non-Conforming transactions.
- Conducted 2nd level review on Portfolio Products and Manual VA and FHA mortgage transactions.
- Trained team on new product rollouts and ensured consistency between departments.
- Recruited underwriters and Sales Associates.
- Facilitated underwriting meetings to discuss issues and areas of concern.
- Managed underwriting productivity and assisted in resolving QC issues and government insuring challenges.
Underwriting Manager
USA Mortgage
01.2018 - 01.2019
- Handle underwriting escalations.
- 2nd level review on Jumbos and other niche products.
- 2nd level review Manual VA and FHA mortgage transactions.
- Training on new product roll outs.
- Handle underwriting performance reviews.
- Communicate with other department heads to ensure consistency between departments.
- Recruit skilled underwriters when there is a business need.
- Facilitate underwriting meetings to discuss issues and areas of concern.
- Manage underwriting productivity.
- Assist in resolving QC issues as well as government insuring problems.
Underwriting/Operations Manager
American Equity Mortgage
01.2014 - 01.2018
- Monitor workflow and coach team members to enhance individual performance.
- Manage daily processing and underwriting production.
- Effectively communicate with operational counterparts and their management.
- Manage daily, weekly, and monthly performance reports and drive improvements in productivity and accuracy.
- Review and execute all underwriting submissions, address and clear approval conditions, and clear required validations as part of the mortgage loan origination process in an effective and efficient manner.
- Ability to understand and articulate underwriting conditions to borrowers, mortgage loan originators, and colleagues as needed through the mortgage loan origination process.
- In a controlled and professional manner, is able to communicate effectively on behalf of the organization to borrower(s), mortgage loan originators, 3rd party vendors, and team members.
- Consistently meet target contract dates, while minimizing financial deficiency to the Company and the borrower.
DE Underwriter/SAR
Bank of America
01.2009 - 01.2014
- Notified processor and loan officer of credit decision made.
- Approved loan in accordance with appropriate terms and conditions, counter-offers if the term do not meet company lending standards and guidelines, or deny the loan.
- Maintained current knowledge of all loan products and origination requirements.
- Ensured accuracy of loan disclosures and documentation.
- Issued approvals on FHA, VA and USDA mortgage transactions.
Education
Electrical Engineering
Alabama A&M University
Huntsville, ALTimeline
Sr. Mortgage Underwriter
Jet Home Loans
07.2024 - Current
Underwriting Manager
First Bank Mortgage
01.2019 - 01.2023
Underwriting Manager
USA Mortgage
01.2018 - 01.2019
Underwriting/Operations Manager
American Equity Mortgage
01.2014 - 01.2018
DE Underwriter/SAR
Bank of America
01.2009 - 01.2014
Electrical Engineering
Alabama A&M University
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