Summary
Overview
Work History
Education
Skills
Timeline
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Chris Pfaff

St. Clair Shores

Summary

Experienced Senior Underwriter specializing in conventional mortgage loans, with expertise in risk assessment, financial analysis, and credit evaluation. Adept at reviewing complex loan applications, conducting Verbal Verification of Employment (VVOE), and ensuring compliance with Fannie Mae and Freddie Mac guidelines. Strong background in fraud detection, loan structuring, and collaborating with loan officers to facilitate successful approvals.

Overview

4
4
years of professional experience

Work History

Senior Underwriter

United Wholesale Mortgage
01.2021 - 01.2023
  • Underwrote conventional mortgage loans, ensuring compliance with Fannie Mae and Freddie Mac guidelines
  • Conducted risk analysis, income verification, and credit assessment to determine loan eligibility
  • Reviewed borrower financials, tax returns, W-2s, and pay stubs to ensure accuracy and compliance
  • Provided loan structuring guidance to loan officers and processors to maximize approval success
  • Identified fraud risks and discrepancies in borrower financial data and escalated concerns when necessary
  • Worked closely with loan processors and closing teams to streamline underwriting workflows
  • Maintained up-to-date knowledge of industry changes, investor requirements, and underwriting best practices

Underwriter

United Wholesale Mortgage
01.2020 - 01.2021
  • Reviewed conventional mortgage loan applications to assess creditworthiness, income stability, and debt-to-income ratios
  • Analyzed financial statements, credit reports, and tax returns to determine borrower risk
  • Ensured all underwriting decisions aligned with Fannie Mae and Freddie Mac guidelines
  • Worked closely with loan officers and processors to clarify borrower financials and support loan structuring
  • Assisted in implementing fraud detection strategies to minimize underwriting risks
  • Recommended approval, suspension, or denial of loans based on underwriting criteria
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.

VVOE Specialist

United Wholesale Mortgage
01.2019 - 01.2020
  • Conducted Verbal Verification of Employment (VVOE) to confirm borrower employment and income stability
  • Communicated with employers, HR representatives, and third-party verification services to validate job details
  • Cross-checked employment history with loan applications to ensure compliance with Fannie Mae and Freddie Mac guidelines
  • Identified discrepancies in employment records and escalated potential fraud risks
  • Maintained detailed VVOE records for compliance audits and loan documentation
  • Assisted underwriters by providing accurate employment verification data to support loan decisions

Education

High School Diploma -

Madison Heights, MI

Skills

  • Analyzing data
  • Customer relations
  • Training and mentoring
  • Team building
  • Fraud detection
  • Cost-benefit analysis
  • Sales support
  • Data management

Timeline

Senior Underwriter

United Wholesale Mortgage
01.2021 - 01.2023

Underwriter

United Wholesale Mortgage
01.2020 - 01.2021

VVOE Specialist

United Wholesale Mortgage
01.2019 - 01.2020

High School Diploma -

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Chris Pfaff