Summary
Overview
Work History
Education
Skills
Timeline
Generic

Benjamin Applen

Westlake Village,CA

Summary

Astute and methodical Mortgage Underwriter with significant background working with delegated loans. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.

Overview

21
21
years of professional experience

Work History

Underwriter

Western Alliance Bank/Amerihome Mortgage
08.2018 - 10.2023
  • Calculated income, reviewed credit reports, preliminary title reports, and appraisals to determine correspondent loans were eligible for purchase.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.

Operations Account Representative

Western Alliance Bank/Amerihome Mortgage
08.2014 - 08.2018
  • Managed pipeline of up to 175M in average monthly volume.
  • Collaborated with other departments to address customer needs and service requests.
  • Reviewed documentation, clearing or creating conditions as needed.
  • Responsible for all escalation follow through with internal partners.
  • Led regularly scheduled calls with clients.

Quality Assurance Associate

Dignified Transition Solutions, LLC
11.2012 - 07.2014
  • Audited 25-30 residential loans prior to closing per day.
  • Audits included verification of income, Proof of Funds, Valuation, Second Lien payoff amount, wire amount, and closing packages including HUDs, purchase agreements, MI approvals, and lender approvals.
  • Assisted with independent internal and external audits.
  • Provided excellent customer service to agents and distressed homeowners.

Mgr/Quality Assurance Analyst

Bank of America
04.2010 - 11.2012
  • Demonstrated expertise in training high-impact teams of managers/employees.
  • Utilized advanced analytical testing skills to develop and implement new auditing methodologies.
  • Set deadlines, assigned responsibilities, mentored and monitored the progress of a short sale claim reconciliation team consisting of 12-25 associates.
  • Supported company in maintaining work environment focused on quality, communication, collaboration, integration, and teamwork.

Quality Assurance Associate

Bank of America
12.2008 - 04.2010
  • Foreclosure and Real Estate Management, 1
  • Managed Post-Sale Foreclosure processes for FNMA with a portfolio consisting of 1400 loans
  • Ensured that Investor, Insurer, Government Agency and BOA claim filings guidelines were met
  • Reconciled mortgagor funds in accordance with state, investor, gov't agency guidelines


Commitment Desk Specialist

Bank Of America
06.2007 - 12.2008
  • Ensured correct pricing on Best Effort securities, and Direct Trade securities.
  • Trained secondary market lenders and associates on correctly pricing procedures.
  • Received a daily average of 120 calls.

Underwriter/Loan Coordinator

Bank of the Rockies
08.2006 - 03.2007
  • Manually underwrote construction, and in-house loans.
  • Pre-qualified prospects based on credit, income and collateral, then followed up to obtain correct income/employment documents.
  • Worked closely with wholesale lenders to close loans.


Bulk Senior Suspense Coordinator

Countrywide Home Loans, CLD
10.2002 - 06.2006
  • Managed 40-50 bulk commitments during a given month, each consisting of 10-250 loans.
  • Worked closely with the Commitment Desk, underwriters and the suspense team to ensure loans were purchased correctly and input according to conventional guidelines.

Education

BA - Media and Theatre Arts

Montana State University - Bozeman
Bozeman, MT

Skills

  • Asset Statements
  • Residual Incomes
  • LTV Calculations
  • Application Analysis
  • Residential Loans

Timeline

Underwriter

Western Alliance Bank/Amerihome Mortgage
08.2018 - 10.2023

Operations Account Representative

Western Alliance Bank/Amerihome Mortgage
08.2014 - 08.2018

Quality Assurance Associate

Dignified Transition Solutions, LLC
11.2012 - 07.2014

Mgr/Quality Assurance Analyst

Bank of America
04.2010 - 11.2012

Quality Assurance Associate

Bank of America
12.2008 - 04.2010

Commitment Desk Specialist

Bank Of America
06.2007 - 12.2008

Underwriter/Loan Coordinator

Bank of the Rockies
08.2006 - 03.2007

Bulk Senior Suspense Coordinator

Countrywide Home Loans, CLD
10.2002 - 06.2006

BA - Media and Theatre Arts

Montana State University - Bozeman
Benjamin Applen