David Schmitt
Lexington,KY
Summary
20 year risk professional focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled underwriter. Successful in leading teams and training junior staff to handle high workload to promote efficient practices. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
8
8
years of professional experience
Work History
Licensed Mortgage Underwriter
Peak Residential Lending
2023.04 - Current
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines
- Answer all scenario and loan structure questions for KY branch
- Underwriter on Conventional and FHA files, structured all KY branch KHC bonded, USDA and VA loan files for non-delegated submission
Licensed Underwriter
Hometown Lenders LLC
2019.03 - 2023.04
- Received underwriting credentials and DE certification to preform underwriting duties on all FNMA,. FMHLC, and FHA files.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Facilitated all non-delegated loan submission for KHC bonded program
Director of Operations
Fairway Independent Mortgage
2016.01 - 2019.03
- Oversaw day-to-day production activities for multiple branches to promote efficiency
- Led the processing team and structured all FNMA, FMHLC, FHA, VA and USDA files for underwriting submission and clearing of all conditions for Clear to Close
- Direct Liaison with underwriting team from submission to post-closing.
Education
BBA - Finance
UNIVERSITY OF KENTUCKY
Lexington, KY 05.2003
Skills
- NMLS Registration #20037
- Application Analysis
- Analytical and Critical Thinking
- Eligibility Requirements
- Complex Problem-Solving
- Multi tasking
- Loan Product Knowledge
- Networking and Partnership Development
Timeline
Licensed Mortgage Underwriter
Peak Residential Lending
2023.04 - Current
Licensed Underwriter
Hometown Lenders LLC
2019.03 - 2023.04
Director of Operations
Fairway Independent Mortgage
2016.01 - 2019.03
BBA - Finance
UNIVERSITY OF KENTUCKY
Similar Profiles
Mary LittlejohnMary Littlejohn
Loan Officer/Processor at Peak Asset LendingLoan Officer/Processor at Peak Asset Lending
Travis RotondoTravis Rotondo
IT Applications Manager at MLB Residential LendingIT Applications Manager at MLB Residential Lending
Ileana Montes De OcaIleana Montes De Oca
Residential Mortgage Loan Processor at Primary Residential Mortgage And Supreme LendingResidential Mortgage Loan Processor at Primary Residential Mortgage And Supreme Lending