David Wilsey

• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Carried out day-day-day duties accurately and efficiently.
• Managed the closing and post closing department for the HHF SaveOurHome foreclosure prevention program.
• Analyzed program participants that were eligible to graduate from monthly mortgage assistance and determined if principle reduction assistance with recast could be provided to create an affordable payment for the applicant.
• Managed the fraud deterrent aspect of the program to insure over-assistance did not occur.

Reviewed closed loan files to determine if fraud activity may have occurred by the lender in the loan process.

Performed public records searches and used skip tracing software to locate borrowers and former employers.

Interview borrowers to determine if their recollection of the mortgage transaction was in line with documentation in the final loan file.

Write a Fraud or No Fraud report based on the findings.

Responsible for meeting with customers, educating them on pool products, equipment and construction techniques that best suited their family and property.

Coordinated mortgage loans and acted as liaison between mortgage brokers and underwriters.

Submitted borrower's income, asset and credit information to automated systems for approval.

Evaluated and calculated income for borrowers using appropriate documentation.

Prepared approved files for closing and generated loan documents.

Daily duties required a working knowledge of residential appraisal review, title requirements, compliance with underwriting requirements for FHA, VA, and conventional loan products.

Trained co-workers on AUS systems.

Assisted in quality control and post closing documentation.

• Explained different types of loans pertaining to client situations.
• Worked with underwriters to fix application problems and resolve issues.
• Reviewed loan files and updated to match current standards.
• Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
• Created and managed loan officer training program.
• Successfully completed Desktop Underwriting training at FNMA offices in Dallas, TX and received senior DU certification from FNMA.
• Submitted files to AUS systems for underwriting staff.