Office 365
Christian Domhoff
Credit Underwriter
Odessa,FL
Summary
Revenue Agent at the IRS, adept in regulatory knowledge and auditing techniques, enhanced compliance and taxpayer satisfaction through meticulous financial scrutiny and interpersonal communication. Proven track record in leveraging investigative skills and teamwork to surpass performance metrics, achieving significant improvements in audit accuracy and efficiency. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
18
18
years of professional experience
1
1
Language
1
1
Certificate
Work History
Revenue Agent
Internal Revenue Service, IRS
2024.05 - Current
- Demonstrated exceptional attention to detail in reviewing financial records, ensuring accurate determination of taxable income and liabilities for assigned cases.
- Provided exceptional customer service, promptly addressing taxpayer inquiries and resolving concerns related to their accounts.
- Developed comprehensive reports outlining audit findings and recommended corrective actions, ensuring transparency in communication with taxpayers.
- Participated in continued education programs to stay up-to-date on industry best practices and changes in tax legislation affecting agency operations.
- Conducted in-depth research on applicable laws and regulations to support accurate tax determinations and recommendations.
- Reviewed established accounting systems and historical information to identify strengths and weaknesses of existing methods and controls.
- Assisted taxpayers in understanding their obligations under the law, facilitating voluntary compliance with tax regulations.
- Leveraged strong analytical skills to identify potential tax evasion schemes, supporting enforcement efforts against non-compliant individuals or entities.
Senior Mortgage Underwriter
Morgan Stanley
2021.06 - 2023.12
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Checked personal and team calculations to validate information and underwriting decisions.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Corporate Mortgage Underwriter
Bank Of America Merrill Lynch
2015.11 - 2021.06
- Balanced competing priorities effectively to meet strict deadlines for multiple loan applications simultaneously.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Contributed to policy updates by staying current on market trends and sharing insights with the underwriting team.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Proactively identified solutions for customers experiencing credit issues.
- Researched and updated industry knowledge on changing legislation and regulations.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Improved loan approval rates by meticulously reviewing and verifying application documentation.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Junior Underwriter
Bank Of America
2006.11 - 2020.08
- Improved departmental productivity by training new team members on underwriting procedures and best practices.
- Maintained compliance with company policies and industry regulations through diligent review of documentation and data analysis.
- Developed strong relationships with lenders, fostering effective communication and expedited application processing times.
- Managed a high volume of loan applications, maintaining accuracy and timeliness in the underwriting process, leading to increased customer satisfaction.
- Demonstrated expertise in various types of loans, including FHA, VA, and conventional mortgages.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
Mortgage Loan Underwriter
Bank Of America
2010.08 - 2015.11
- Increased customer satisfaction levels by providing clear explanations of underwriting decisions and addressing concerns promptly.
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Managed a diverse portfolio of mortgage applications, consistently meeting or exceeding established performance metrics.
- Developed strong working relationships with industry partners to facilitate seamless transactions for clients.
- Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
- Contributed to team success through active participation in training sessions and professional development opportunities.
- Enhanced underwriting efficiency with thorough risk assessments and timely decisionmaking.
- Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Education
Bachelor of Arts - Business Administration And Management
2001.05 -
GPA 3.69
Associate of Arts - Accounting
2001.05 -
Skills
Regulatory knowledge
Auditing Techniques
Industry Awareness
Spreadsheet Management
Researching abilities
Cash Flow Management
Interpersonal communication skills
Information tracking
Account Balancing
Investigative techniques knowledge
Teamwork and Collaboration
Problem-Solving
Accomplishments
- Resolved product issue through consumer testing.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Achieved team goals by completing assigned tasks with accuracy and efficiency.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Certification
NMLS ID # 520088
Work Preference
Work Type
Full TimeLocation Preference
RemoteHybridOn-SiteImportant To Me
Work-life balanceHealthcare benefitsPaid sick leavePaid time offFlexible work hoursWork from home optionCareer advancementSoftware
Interests
Soccer
Formula One
Timeline
Revenue Agent - Internal Revenue Service, IRS
2024.05 - Current
NMLS ID # 520088
2024-05
Senior Mortgage Underwriter - Morgan Stanley
2021.06 - 2023.12
Corporate Mortgage Underwriter - Bank Of America Merrill Lynch
2015.11 - 2021.06
Mortgage Loan Underwriter - Bank Of America
2010.08 - 2015.11
Junior Underwriter - Bank Of America
2006.11 - 2020.08
Saint Leo University - Bachelor of Arts, Business Administration And Management
2001.05 -
Universidad De San Martin De Porres - Associate of Arts, Accounting
2001.05 -