Daniel Aubuchon
Senior Mortgage Underwriter NMLS #2393376
Bloomfield Hills,MI
Summary
NMLS licensed underwriting manager. Experienced mortgage professional with a wide variety of skills and experiences. Outstanding client service and extraordinary production are the cornerstones of my success. I have underwritten thousands and thousands of residential loans during my career. I am looking for an outstanding opportunity to share my skills, experience, and extensive knowledge and help make a difference in the mortgage space.
Experienced underwriting professional equipped to lead teams and drive impactful results. Skilled in risk assessment, policy evaluation, and decision-making. Known for strong collaboration, adaptability, and reliability. Expertise in team leadership, client relationship management, and strategic planning.
Overview
30
30
years of professional experience
4
4
Certifications
Work History
Underwriting Manager
Sammamish Mortgage
01.2022 - Current
- Production and oversite of residential underwriting for multiple investors and agencies
- Helped committees evaluate borrower creditworthiness by preparing thorough underwriting calculations and worksheets.
- Resolved questions and assisted with paperwork by personally helping individuals.
- Evaluated property conditions with direct inspections and values through comparisons to market dynamics.
- Calculated loan risks based on thorough reviews of application information against established criteria.
- Proactively identified areas for process improvement within the department, implementing changes that led to increased efficiency across teams.
- Improved underwriting performance by streamlining processes and implementing best practices.
Underwriter III
Intercontinental Capital Group
04.2021 - 12.2021
- Responsible for daily underwriting production of Conventional and FHA loans
Senior Underwriter
Hometown Lenders Inc
08.2020 - 03.2021
- Obtained approvals by helping underwriters resolve problems with mortgage applications.
- Helped committees evaluate borrower creditworthiness by preparing thorough underwriting calculations and worksheets.
Senior Underwriter
Bank of England Mortgage
04.2020 - 09.2020
- Helped committees evaluate borrower creditworthiness by preparing thorough underwriting calculations and worksheets.
Senior Underwriter III / Team Lead
University Bank dba Midwest Loan Solutions
08.2019 - 04.2020
- FHA Conventional
- Jumbo Encompass very experienced
- AUS DataVerify
- Credit AllRegs
- Company exited wholesale lending
- FHA and Conventional Underwriter
- Communication with large broker / TPO base on variety of training and underwriting topics
- Highest producing underwriter on staff
- Train and development of new underwriters coming on board
- Company exited wholesale lending and laid off ALL employees
Account Executive/Sales
Quicken/Rocket TPO
04.2019 - 09.2019
- Responsible for recruitment of new brokers to join TPO platform
- Training and management of broker pipeline loans, job to fill in between underwriting jobs
Account Executive
MB Financial Bank
02.2017 - 01.2019
- Company was purchased by 5th 3rd and eliminated this wholesale operation
- TPO recruitment of broker clients
- Management of client pipeline and serve as liaison between the broker and underwriting
- Company sold to 5th 3rd and exited wholesale lending/laid off all employees outside of
Conventional Underwriter
Mortgage 1, Inc
02.2016 - 02.2017
Senior Underwriter
Lender Live
06.2015 - 02.2016
- Helped committees evaluate borrower creditworthiness by preparing thorough underwriting calculations and worksheets.
Conventional and FHA Underwriter
United Wholesale Mortgage
12.2014 - 06.2015
FHA and Conventional Underwriter
Mortgage 1 Inc
04.2014 - 12.2014
Senior Underwriter III
Michigan Mutual Mortgage
08.2011 - 11.2013
Senior Underwriter
Bank of Ann Arbor
05.2010 - 08.2011
Senior Underwriter
First Option Mortgage
01.2009 - 01.2010
Underwriter III
Flagstar Bank
05.1995 - 10.2008
Education
Bachelor of Science - Business
University of Detroit Mercy
Detroit, Michigan05.1995
Skills
- FHA direct endorsement underwriter
- Experience with jumbo loans
- Document review expertise
- Proven production track record
- Quality control expertise
- Certified VA SARS professional
- Experience with USDA regulations
- Extensive experience in Encompass
Knowledge of underwriting guidelines
Sales assistance
Portfolio management
Credit risk analysis
Certification
FHA DE
Timeline
Underwriting Manager
Sammamish Mortgage
01.2022 - Current
Underwriter III
Intercontinental Capital Group
04.2021 - 12.2021
Senior Underwriter
Hometown Lenders Inc
08.2020 - 03.2021
Senior Underwriter
Bank of England Mortgage
04.2020 - 09.2020
Senior Underwriter III / Team Lead
University Bank dba Midwest Loan Solutions
08.2019 - 04.2020
Account Executive/Sales
Quicken/Rocket TPO
04.2019 - 09.2019
Account Executive
MB Financial Bank
02.2017 - 01.2019
Conventional Underwriter
Mortgage 1, Inc
02.2016 - 02.2017
Senior Underwriter
Lender Live
06.2015 - 02.2016
Conventional and FHA Underwriter
United Wholesale Mortgage
12.2014 - 06.2015
FHA and Conventional Underwriter
Mortgage 1 Inc
04.2014 - 12.2014
Senior Underwriter III
Michigan Mutual Mortgage
08.2011 - 11.2013
Senior Underwriter
Bank of Ann Arbor
05.2010 - 08.2011
Senior Underwriter
First Option Mortgage
01.2009 - 01.2010
Underwriter III
Flagstar Bank
05.1995 - 10.2008
Bachelor of Science - Business
University of Detroit Mercy