Everett Dunn

• Review system generated alerts, assess impact to AML processes, conduct research as required, and document results in written format /SARs.
• Experience in investigating activity linked to terrorism, money laundering. Account Take Over ,First Party Fraud .
• Acts as a BSA and AML Fraud Investigator to identify process improvements, respond to inquiries from internal business partners and provide content for various training initiatives.
• Supports and leads the development and/or enhancements affecting systems utilized for alert analysis.
• Investigates, analyzes and documents alerts and/or complex cases pertaining to cash structuring, transactions involving bank designated high risk countries (HRC), wire transfers, commercial loan payments, and reports from branches or business areas regarding guidelines and timeframes; and/or performs and documents customer due diligence (CDD) and enhanced due diligence (EDD) reviews.
• Focuses on customer behavior as it relates to anti money laundering (AML)-related suspicious activities and complex cases such as multiple relationship accounts, tiered and multi-faceted transactions, international wires involving bank designated high risk jurisdictions, and complex cash structuring schemes. to appropriately challenge using data and analysis.

▪ Knowledge of conventional and/or government guidelines, federal lending regulations governing real estate lending , familiarity with secondary market .

•Review secondary resubmissions of credit documentation provided and prepare the necessary forms and worksheets to issue credit approval.

• Knowledge of FHA, VA , USDA , FNMA and FHLMC policies and guidelines , Non-QM loans ,DSCR.

• Proficient in Jumbo loans over 1million , investor products and underwriting guidelines , AUS engine .

• Critically examine credit, income and asset documents and review title policy and appraisals.

• Strong oral and written communication skills; able to deliver complex information clearly, concisely and understandable.

•Mortgage underwriting experience, including review of credit reports for accuracy and red flags, appraisal review, calculation of DTI, income, assets and LTV/CLTV and other complex financial documents (i.e. Tax Returns).

• In-depth knowledge of the total closing function to include, underwriting conditions prior to closing, closing instructions and procedures, and RESPA .

•Outstanding written and oral communication skills; Accuracy and thoroughness in all aspects of execution responsibilities Integrity and ethics.

• Adherence to policies and procedures; experience with desktop Underwriter (DU,LP) or comparable automated underwriting

• Analyzes and evaluates creditworthiness of borrowers including but not limited to the review of financial statements, tax returns, asset statements, bank account statements, .

• Analysis and assessments of risk factors ,subject matter expert in FHA, VA , Conventional , Fannie Mae , Freddie Mac , TRID . Self employment .

• Understanding of K-1 , 1120 self employment documents , ability to analyze complex business returns . Non QM loans , Jumbo loans over 1 million .

• Acts as a BSA and AML SME to identify process improvements, respond to inquiries from internal business partners

and provide content for various training initiatives.

• Supports and leads the development and/or enhancements affecting systems utilized for alert analysis.

• Evaluate operational processes and make recommendations for continuous improvements within the Loan Servicing Operations department.

• Write suspicious activity reports, file CTR's, address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations.

• QA Analyst , Promote a strong risk culture by using constructive dissent to appropriately challenge using data and analysis.

● Meets with and interview potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.

● Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines.

● Perform loan level assessments of Jumbo Loans correspondent originations production and purchase conditions .

● Analyze complex tax returns and accurately calculate income. Superior knowledge and experience with property and credit underwriting of FNMA, FHLMC, FHA and VA, as well as other loan programs and private mortgage insurance companies..

● Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision

● Review collateral against, title, flood certs, and purchase agreements for accuracy and consistency

● Manage collateral risk by reviewing CU risk scores and identifying risk factors and specific aspects of the appraisal that may require further analysis.

● Reviewed all loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, Non-Agency Jumbo, New American Funding Non-QM, and other private investor guidelines as well as internal overlays .

● Completes all underwriting functions in accordance with various program requirements, including manual and AUS underwriting, as established by secondary underwriting guidelines .

● Perform credit and property analysis on conventional and Non-Agency Jumbo files .

• Underwrite complex mortgage loans for high net worth clients. Perform business financial statement analysis along with complex income / tax return analysis.
• Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines.
• Perform loan level assessments of Jumbo Loans , correspondent originations production and purchase conditions.
• Analyze complex tax returns and accurately calculate income. Superior knowledge and experience with property and credit underwriting of FNMA, FHLMC, FHA and VA, as well as Non-QM loan programs and private mortgage insurance companies.
• EDUCATION AND TRAINING Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision .
• Review collateral against, title, flood certs, and purchase agreements for accuracy and consistency. Manage collateral risk by reviewing CU risk scores and identifying risk factors and specific aspects of the appraisal that may require further analysis.
• Reviewed all loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, Non-Agency Jumbo, New American Funding Non-QM, and other private investor guidelines as well as internal overlays .
• Maintain and build relationships through networking and prospecting with bankers, realtors, builders, and your community to attract new business .
• Perform credit and property analysis on conventional and Non-Agency Jumbo files