Gregory Bingham
Cary,NC
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with Conventional and FHA customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
20
20
years of professional experience
Work History
Senior Mortgage Underwriter
HomePoint Financial Corporation
Ann Arbor, MI
04.2020 - 09.2020
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Maintained mortgage program compliance with federal agencies such as HUD and FNMA
- Met twenty-four-hour timeline consistently, turning around applications quickly with firm approval or denial decisions
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions
Senior Mortgage Underwriter
Amerisave Mortgage Corporation
Atlanta, GA
04.2020 - 09.2020
- Maintained mortgage program compliance with federal agencies such as HUD and FNMA
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited
Underwriter
Opus Capital Markets Consultants, LLC - Staffing Solutions Made Easy
Chicago, IL
06.2019 - 05.2020
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
Mortgage Underwriter
American Mortgage Consultants
New York, NY
01.2019 - 05.2020
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Checked personal and team calculations to validate the information and underwriting decisions
- Verified integrity of applicants' information to minimize fraud
Mortgage Underwriter/ Processor
HomeBridge Financial Services, Inc
Rochester, NY
11.2015 - 01.2018
- Worked with processing team members to communicate errors and obtain missing information for current applications
- Trained junior team members in underwriting procedures and loan quality grading standards
- Proactively identified solutions for customers experiencing credit issues
- Obtained copies of applicants' credit histories and reviewed paperwork to determine the feasibility of granting loans
Commercial Underwriter
HSBC Commercial Lending – Remedy Intelligent Staffing
Buffalo, NY
06.2015 - 11.2015
- Met with customers, agents, and brokers to negotiate coverage, price, and service delivery
- Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations, or fraud exposure
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions
Quality Assurance Analyst
Wells Fargo
Rochester, NY
01.2011 - 12.2014
- Researched beneficial investment opportunities and made recommendations to Senior Management
- Researched and provided team members with banking guidelines and statutory requirements to stay updated on new laws and applications.
- Fixed identified issues to improve workflows
- Reported progress, test metrics, and results to project stakeholders
- Reviewed public-facing information for accuracy, relevancy, and timeliness as desired by leadership
- Assisted teammates in developing skills necessary to grasp application concepts and tool suite
- Developed reports and materials for key stakeholders related to quality goals, progress, and challenges
- Mentored and coached team members on QA topics and strategies
Underwriter
Wells Fargo
Rochester, NY
11.2006 - 01.2011
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions
- Met with customers, agents, and brokers to negotiate coverage, price, and service delivery
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process
- Determined and documented loan conditions and communicated requirements and decisions
- Followed through with borrowers, loan processors, and loan originators and managed all phases of underwriting process
Education
Associate of Applied Science - Finance
Utica College
Utica, NY05.2021
Skills
- Creditworthiness Determination
- Automated Underwriting Systems
- Fraud Detection Techniques
- Corporate Financial Statements
- Property Evaluation
- Financial History Analysis
- Loan Restructuring
- Audit Procedures
- Debt Determination
- Staff Training
- Government Lending
- Underwriting Regulations
- Analytical and Critical Thinking
Timeline
Senior Mortgage Underwriter
HomePoint Financial Corporation
04.2020 - 09.2020
Senior Mortgage Underwriter
Amerisave Mortgage Corporation
04.2020 - 09.2020
Underwriter
Opus Capital Markets Consultants, LLC - Staffing Solutions Made Easy
06.2019 - 05.2020
Mortgage Underwriter
American Mortgage Consultants
01.2019 - 05.2020
Mortgage Underwriter/ Processor
HomeBridge Financial Services, Inc
11.2015 - 01.2018
Commercial Underwriter
HSBC Commercial Lending – Remedy Intelligent Staffing
06.2015 - 11.2015
Quality Assurance Analyst
Wells Fargo
01.2011 - 12.2014
Underwriter
Wells Fargo
11.2006 - 01.2011
Associate of Applied Science - Finance
Utica College
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