Dave McCoy
Ferndale,WA
Summary
Detailed Senior Mortgage Underwriter offering 25-year background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Proficient in Encompass and FNMA and FHLMC AUS.
Overview
11
11
years of professional experience
Work History
Real Estate Broker - REALTOR
NextHome Preview Properties
Mount Vernon, WA
12.2023 - Current
- Analyzed market trends and conducted research to identify potential buyers for properties.
- Conducted inspections of properties to assess condition, features, and other factors prior to listing them on the market.
- Negotiated offers between buyers and sellers in order to reach an agreement on price and terms of sale.
Senior Mortgage Underwriter - Wholesale DE
Guaranty Home Mortgage
Nashville, TN
04.2021 - 03.2023
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Evaluated loan applications and creditworthiness of potential borrowers.
Senior Mortgage Underwriter - Wholesale DE
Atlantic Bay Mortgage
Virginia Beach, VA
11.2020 - 04.2021
- Conducted preliminary analysis of loan products and services offered by the company.
- Prepared detailed reports on underwriting findings and recommendations.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
Senior Mortgage Underwriter - Wholesale DE
Geneva Financial LLC
Chandler, AZ
05.2020 - 10.2020
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
Financial Advisor
Edward Jones
St Louis, MO
03.2019 - 06.2020
- Developed financial plans and strategies tailored to clients' individual needs.
- Analyzed potential investments such as stocks, bonds, mutual funds, real estate and insurance products for clients.
- Monitored client portfolios to ensure that recommended investments remain in line with their goals and objectives.
- Provided advice on tax-advantaged investment opportunities.
Senior Mortgage Underwriter - Wholesale DE
Union Home Mortgage
Strongsville, OH
03.2018 - 11.2018
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
- Maintained knowledge of current economic trends affecting the real estate market.
Senior Mortgage Underwriter - Wholesale DE
Loan Simple
Englewood, CO
04.2016 - 11.2017
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Conducted preliminary analysis of loan products and services offered by the company.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
Senior Mortgage Underwriter - Retail
HomeStreet Bank, formerly Bank of Oswego
Lynnwood, WA
08.2013 - 04.2016
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
- Assisted other departments with questions regarding underwriting guidelines or procedures.
Education
Washington State Real Estate Broker - Real Estate
Aceable Agent Real Estate School
Austin, TX12-2023
Bachelor of Arts - Organizational Management
Whitworth University
Spokane, WA05-2005
Skills
- Real Estate Law
- Contract Management
- Financial History Analysis
- Loan Feasibility Assessment
- Attention to Detail
- Credit analysis
- Income verification
- Staff Management
- Decision-Making
- Creditworthiness Determination
- Adaptability and Flexibility
- Effective Communication
- Customer Service
- Problem-solving aptitude
- Time Management
- Analytical and Critical Thinking
- Microsoft Office
- Regulatory compliance understanding
- Documentation Review
- Loan Processing Coordination
- Teamwork and Collaboration
Timeline
Real Estate Broker - REALTOR
NextHome Preview Properties
12.2023 - Current
Senior Mortgage Underwriter - Wholesale DE
Guaranty Home Mortgage
04.2021 - 03.2023
Senior Mortgage Underwriter - Wholesale DE
Atlantic Bay Mortgage
11.2020 - 04.2021
Senior Mortgage Underwriter - Wholesale DE
Geneva Financial LLC
05.2020 - 10.2020
Financial Advisor
Edward Jones
03.2019 - 06.2020
Senior Mortgage Underwriter - Wholesale DE
Union Home Mortgage
03.2018 - 11.2018
Senior Mortgage Underwriter - Wholesale DE
Loan Simple
04.2016 - 11.2017
Senior Mortgage Underwriter - Retail
HomeStreet Bank, formerly Bank of Oswego
08.2013 - 04.2016
Washington State Real Estate Broker - Real Estate
Aceable Agent Real Estate School
Bachelor of Arts - Organizational Management
Whitworth University
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