Jonathan Hoff
Bedford,TX
Summary
Experienced Mortgage Underwriter with over 15 years of expertise in evaluating loan applications, conducting risk assessments, and ensuring compliance with regulatory standards. Skilled in underwriting conventional, Jumbo, VA, FHA, USDA, and construction loans. Possesses exceptional analytical skills and meticulous attention to detail, streamlining processes and enhancing efficiency.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter II
First National Bank
09.2012 - Current
- Reviewed and verified loan applications and supporting documents for Conventional, FHA, Non-QM, Jumbo, DBA, and USDA loans
- Successfully closing 35-40 loans per month
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Managed design, administration, and support for BytePro LOS system
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
National Accounts Manager
Credit Solutions of America
03.2008 - 02.2012
- Partnered with law firms, collections agencies, and investors to develop customized proposals for debt forgiveness; averaging 20-25 calls per day
- Engaged in regular communication with clients, addressing concerns promptly to maintain trust and rapport.
- Leveraged CRM tools for effective pipeline management and tracking of account activity.
Loan Officer Assistant - Customer Service Specialist IV
Indy Mac Bank
03.2005 - 02.2008
- Generated and pre-qualified sales leads; closing an average of 90 leads per month
- Managed appraisal ordering and operations support
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
Front Office Manager
Hilton Hotel Properties
06.1999 - 03.2005
- Supervised and managed 12 employees and responded quickly to questions to improve understanding of job responsibilities.
- Monitored financial transactions at the front desk, ensuring accurate billing procedures and minimizing discrepancies.
- Created weekly schedules for front office staff members to ensure appropriate coverage during peak hours or high demand periods.
- Resolved guest complaints professionally, maintaining positive relationships with customers for future business opportunities.
Education
Some College (No Degree) - Computer Science
Southern Methodist University
Plano, TexasSkills
- Documentation review
- CRM proficiency
- File management
- Good communication skills
Certification
- MCP
- MCDBA
- A+
- N+
Timeline
Mortgage Underwriter II
First National Bank
09.2012 - Current
National Accounts Manager
Credit Solutions of America
03.2008 - 02.2012
Loan Officer Assistant - Customer Service Specialist IV
Indy Mac Bank
03.2005 - 02.2008
Front Office Manager
Hilton Hotel Properties
06.1999 - 03.2005
Some College (No Degree) - Computer Science
Southern Methodist University
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