Chaz E. Davis
Atlanta,GA
Summary
Quality control professional with deep understanding of underwriting processes and risk assessment. Known for high standards, reliability, and flexibility in dynamic environments. Valued for strong analytical skills, attention to detail, and effective teamwork.
Overview
13
13
years of professional experience
Work History
QC Underwriter
Ameris Bank Mortgage
08.2017 - Current
- Conduct comprehensive post-closed quality control audits on residential mortgage loan files to ensure compliance with investor, agency, and regulatory requirements.
- Review borrower income, assets, credit, employment, occupancy, and collateral documentation for accuracy and completeness.
- Evaluate underwriting decisions against Fannie Mae and Freddie Mac guidelines.
- Identify material and non-material defects impacting loan salability and compliance.
- Detect red flags related to occupancy fraud, income misrepresentation, undisclosed liabilities, and documentation inconsistencies.
- Escalate significant findings and potential fraud concerns to management and compliance teams..
- Utilize Encompass and mortgage servicing systems to perform loan reviews and validate integrity.
- Consistently meet productivity, accuracy, and turnaround-time goals withing a high-volume environment
- Collaborate with underwriting, processing, closing, and compliance departments to resolve audit findings
- Provide resolutions and responses for investor and agency audit reviews.
- Assist with research, resolution, and responses to investor missing documents and repurchase requests.
- Assist QC Manager with monitoring trends on targeted audits and delinquent loans.
- Order new credit reports, verbal verification's and review appraisals as needed. Determine if there are red flags, evidence of potential misrepresentation or any deficiencies in the loan file. Write reports to add to the monthly closed loan audit.
- Assist QC Manager with maintaining quality control logs with accurate audit results.
- Research investor guidelines for clarity of the guidelines.
- Review loan documentation for compliance with underwriting guidelines and risk assessment criteria.
Conventional Mortgage Underwriter
BB&T
Jacksonville, FL
08.2013 - 11.2016
- Evaluated mortgage applications for compliance with regulatory guidelines and company policies.
- Analyzed borrower creditworthiness through detailed financial assessments and documentation review.
- Collaborated with loan officers to clarify application details and resolve discrepancies for efficient processing.
- Coordinated with team members to address and resolve complex underwriting scenarios, fostering a collaborative work environment.
- Managed a pipeline of loan applications, prioritizing tasks effectively to meet deadlines and maintain productivity levels.
- Reduced risk exposure by conducting thorough credit analysis and documentation reviews.
- Contributed to overall team success by consistently meeting or exceeding monthly production goals.
- Stayed abreast of market trends and changes in lending guidelines, adapting underwriting practices accordingly to maintain competitiveness within the industry.
Education
High School Diploma -
Terry Parker High School
Jacksonville, FLSkills
- Encompass
- Income calculation
- Loan origination systems
- Loan processing
- Collateral analysis
- Appraisal review
- Documentation review
- Insurance verification
- Quality control
- Asset statements
- Credit analysis
- Employment verification
Timeline
QC Underwriter
Ameris Bank Mortgage
08.2017 - Current
Conventional Mortgage Underwriter
BB&T
08.2013 - 11.2016
High School Diploma -
Terry Parker High School