CHRISTOPHER WOOD
Lancaster,NY
Summary
MORTGAGE PROFESSIONAL Experienced Underwriter. Capable of doing in-depth data collections and analysis of mortgage applications. Strong risk assessment and decision- making skills. Great knowledge of Federal guidelines and Bank regulations.
Overview
11
11
years of professional experience
Work History
MORTGAGE UNDERWRITER
PNC BANK AND SOFI
02.2021 - 06.2023
- Used critical thinking skills and strong judgment to analyze customer credit, income, and asset documentation to assess the overall risk
- Proficient with FNMA and Freddie Mac guidelines
- Utilized mortgage tools such as DU and LP to ensure that loan applications met investor guidelines and to validate eligibility of each application such as (DU) approve/eligible or (LMA) approve/accept
- Reviewed mortgage insurance, homeowners’ insurance, flood insurance, and related documents to deter- mine that the coverage is sufficient and meets guidelines
- Analyzed appraisals to determine the report meets investor guidelines, overlays, and that the fair market value is supported
- Adhered to all client/lender policies and procedures
- In addition to Federal, State, and/or Municipal laws and regulations
- Reviewed the tax certs to ensure is was the correct parcel to the subject property and verify the correct annual taxes were in line with what was qualified
- In addition, reviewed the title report to verify conventional guidelines were met and verify an new overlays were reviewed, also verified the subject address, ensure it was fee simple, and review liens or judgments that may need to be addressed with additional conditions.
MORTGAGE UNDERWRITER
HSBC BANK USA
01.2019 - 04.2021
- Maintained strong knowledge on guideline changes that may incur by Fannie Mae or Freddie Mac investors
- Mentored and assisted new team members mortgage onboarding and training
- Underwrote Fannie Mae, Freddie Mac, HELOCS, and Portfolio loans resulting in a high approval success
- Reviewed appraisals and project documentation for each applicable loan in my personal pipeline which may result into additional ad hoc conditions being added to the commitment letter
- Conducted proactive and effective pipeline management in accordance to performance standard expectations
Processing Support Specialist/Officer In Charge
01.2017 - 09.2019
- Developing collaborative work relationships within own team and cross-functional, including representation of team towards senior management
- Monitored accurate ordering of Appraisals, Foreign Verifications of employment, Titles, International Credit reports, and Project documentation in a timely manner
- Worked directly and assisted with the Private Bank sector for all processing support needs that included the following, Two appraisals, obtain all project documentation, quick review of appraisals to ensure the appraisal management team ordered specific errors were corrected and all bank required pages were provided
- Managed the Rate Modification Team, distribution and filing by reviewing each potential clients’ current bank profile and screen data points that were created by senior executive to run a promo allowing the clients a cheaper and faster option over a traditional refinance
- If leads were determined to be eligible, I would distribute the leads on a rotation cycle through our mortgage team
- Officer in Charge in the absence of Management from 2014 thru 2019
- Key role in HSBC's Transformation, assisting teams in preparing the bank in preparation of owning all phases of the customer journey.
Mortgage Escalation Specialist/Officer In Charge
01.2014 - 04.2017
- Analyzed difficult loan reviews and escalations
- Ensured timely resolutions while supporting quality initiatives within operations
- Worked closely with Underwriting and Senior management to review complex lending scenarios which required outbound communication and follow up with internal and ex- ternal partners for resolution
- Researched client and Office of the President complaints, assisted on responses, and prepared detailed timelines to determine potential culpability for service gesture
- Collaborated with Leadership to resolve issues, while working to approve and close complex loan scenarios
- Officer in Charge - assisted and managed the processing teams in the absence of leadership.
Mortgage Loan Processor
HSBC Bank USA
10.2014
Mortgage Loan Assistant
HSBC Bank USA
01.2012 - 07.2014
Education
Associate of Arts - Criminal Justice/Law Enforcement
Erie Community College
Buffalo, NY2017
Skills
- Lending Software Systems
- Regulatory Requirements
- Complex Problem-Solving
- Underwriting Regulations
- Oral and Written Comprehension
- Analytical and Critical Thinking
Accomplishments
- Mortgage Top Performer 2016, 2017
- Implemented new policies, procedures and successfully onboarded a new mortgage LOS system.
Timeline
MORTGAGE UNDERWRITER
PNC BANK AND SOFI
02.2021 - 06.2023
MORTGAGE UNDERWRITER
HSBC BANK USA
01.2019 - 04.2021
Processing Support Specialist/Officer In Charge
01.2017 - 09.2019
Mortgage Loan Processor
HSBC Bank USA
10.2014
Mortgage Escalation Specialist/Officer In Charge
01.2014 - 04.2017
Mortgage Loan Assistant
HSBC Bank USA
01.2012 - 07.2014
Associate of Arts - Criminal Justice/Law Enforcement
Erie Community College
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