Gregory Wood
Townsend ,Georgia
Summary
Results-driven mortgage professional with a strong foundation in evaluating loan applications and ensuring strict adherence to compliance protocols. Equipped to take on senior responsibilities, bringing expertise in analyzing financial documents, assessing creditworthiness, and making informed lending decisions. A reliable team collaborator, thriving in dynamic environments and adaptable to changing needs. Unwavering focus on achieving successful outcomes drives delivery of exceptional customer service and exceeds expectations.
Overview
49
49
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
United Community Bank
04.2017 - Current
- Company Overview: United Community Mortgage Services
- Senior Underwriter, Underwriting Conventional FHA and Construction Perm
- And Bank Portfolio
- Previous experience underwriting USDA and VA loan files
- United Community Mortgage Services
Manager, Scenario Help Desk /Sr. Underwriter
Homeowners Mortgage
12.2015 - 04.2017
- Company Overview: Subsidiary of Coastal States Bank
- Manager of the scenario/underwriting help desk is responsible for answering underwriting and scenario questions from both Correspondent and Retail Loan Officers
- The underwriting help desk further reviews complex tax returns, credit reports, and appraisals, giving answers to questions or concerns both verbally or in writing
- It is essential to communicate clearly and concisely, giving the loan officer or managers' guidance on how to structure their loans and giving current up to date guideline information for all programs offered, VA, FHA, Conventional and USDA, working with both channels of business retail and correspondent
- The Manager must keep current on all new guidelines and guideline updates along with reaching out to investors for answers concerning certain guidelines and overlays that pertain to that particular investor to make certain loans approved in underwriting are saleable loans, providing guidance when needed to Secondary Department as to which investor certain loans must be sold to
- Offers recommendations and aides in the development of written procedures to help improve the workflow and process
- As Senior Underwriter, underwrite the most complex files, offering assistance to Jr
- Underwriters with references to more complicated files, tax returns credit reports or appraisals
- As Sr
- Underwriter, review all appraisals that required management review giving guidance and recommendation for conditioning and or denial of collateral
- Subsidiary of Coastal States Bank
Senior Mortgage Loan Underwriter
First Continental Mortgage
07.2015 - 12.2015
- Senior Underwriter-Underwriting Conventional, FHA, USDA loan files
- Credit Underwriting of VA files (I do not have a SAR designation for VA files)
Underwriting Manager
Homeowners Mortgage
01.2015 - 06.2015
- Company Overview: Subsidiary of Coastal States Bank
- Managing the day to day operations of the Underwriting the underwriting staff
- Develop and increase skill set and knowledge of all underwriting staff
- Recruiting, hiring of new staff members
- Interpret credit policy guidelines and procedures, maintain current knowledge of Agency, Fannie Mae and Freddie Mac, FHA, VA and individual investor guidelines
- The issuing of approvals and declinations
- Subsidiary of Coastal States Bank
Senior Mortgage Underwriter
United Community Bank
08.2014 - 01.2015
- Company Overview: United Community Mortgage Services
- Senior Underwriter, Underwriting Conventional FHA and USDA mortgage loan files
- United Community Mortgage Services
Mortgage Underwriter/Portfolio Underwriter, VP
The Coastal Bank
12.2013 - 08.2014
- Vice President/Underwriter, underwriting Conventional, FHA and Portfolio mortgage loan files
- Portfolio Underwriter follow QM/NON QM guidelines, and following ability to repay guidelines (ATR)
Mortgage Underwriter
Primary Residential Mortgage
10.2013 - 12.2013
- Underwriting of Conventional, FHA loan files remotely from home
Operations Manager
Starkey Mortgage
02.2013 - 10.2013
- Manage and direct the daily activities of the Mortgage Operations Department
- Responsible for lending functions, including funding, processing, and closing
- Responsible for the productivity and budgetary performance of the department
- Having thorough knowledge of mortgage underwriting guidelines
- Ensuring efficient delivery of products and services to clients, such as mortgage loan documents, for FHA, VA, and Conventional home mortgages
- Develop and implement policies and procedures as needed
Sr. Underwriter
Fidelity Bank
11.2012 - 02.2013
- Senior Underwriter-underwriting Conventional and FHA mortgage loan files
Sr. Mortgage Underwriter
Bank of America Home Loans
07.2010 - 09.2011
- Level 3 Conventional mortgage loan underwriter, DE underwriter
- Credit underwrite VA mortgage loan files
Assistant Director of Student Financial Advising
Savannah College of Art and Design
09.2009 - 07.2010
- The assistant director of student financial advising reports to the associate director of financial aid and is responsible for advising and assisting prospective and current students and their families with all aspects of financing their education
- The assistant director leads a team of advisors, serving as the main contact for students to resolve financial aid or billing process questions
- Use strong understanding of Title IV guidelines and regulations to ensure compliance
Vice President for Mortgage Lending/Sales Manager
Darby Bank and Trust
02.2005 - 02.2009
- Supervise, train, and manage mortgage department and its staff
- Consisting of mortgage loan officers, mortgage loan processors/closers and construction mortgage lender
- Daily preparation of the mortgage department reports, ledgers, and statistics for review by the City Bank President
- Having complete and thorough knowledge of Agency, FHA, Fannie Mae, Freddie Mac, Jumbo, and other investor mortgage product guidelines, requirements, practices and procedures with an ability to train, educate and advise staff and customers of products available to fit their specific needs and perimeters
Sales Manager/Operations Manager/Sr Underwriter
Taylor Bean and Whitaker Mortgage Corporation DBA Accumortgage
01.1998 - 01.2005
- Supervise, train, and manage mortgage department and its staff
- Consisting of mortgage loan officers, mortgage loan processors/closers and construction mortgage lender
- Preparation of the mortgage department reports
- Having complete and thorough knowledge of Agency, FHA, Fannie Mae, Freddie Mac, Jumbo, and other investor mortgage product guidelines, requirements, practices, and procedures with an ability to train, educate and advise staff and customers of products available to fit their specific needs and perimeters
Licensed Realtor
Harper and Company Realtors
01.1978 - 01.2002
- Consistently ranked and rated as 'Top Producer'
- Member of the Northern Virginia Board of Realtors
- Member of the 'Million Dollar Sales Club'
Account Executive, Wholesale Lending
Flagstar Bank
01.1997 - 01.1998
- Primary responsibility was to solicit new accounts from Mortgage Brokers, Mortgage Bankers, Correspondent Lenders and other financial institutions, to acquire conventional, jumbo, and government residential mortgage loans
- Sales and public relations techniques maintained existing account base while obtaining new residential mortgage accounts
- Maintain thorough knowledge of underwriting guidelines, procedures and practices, to best advice the retail client base
Loan Originator
Independent Mortgage Brokers/Ameribank
01.1992 - 01.1997
- Responsibilities included the origination of home mortgage loan applications
- To be aware of current programs available and advise purchasers of the programs that would be most beneficial given their personal parameters (i.e., down payment, credit scoring, income, etc.)
- Monitor the loan process from application through approval and final closing and funding of the loan
PUBLIC INFORMATION SPECIALIST
Library of Congress
01.1976 - 01.1990
- I held progressively responsible positions with the U.S
- Copyright Office for a total of 14 years
- Started in the Mail Room and working within the Examining Division, and finally in the Public Information Office, to gain upper level career status
Education
High School Diploma -
MCLEAN HIGH SCHOOL
McLean, VA06.1976
Skills
- FNMA Guidelines
- Strong decision-making
- Mortgage industry knowledge
- Analytical thinking
- Risk assessment
- Problem solving
- Strong attention to detail
- Seasoned communication skills
- Collaboration
- Flexability
Certification
DE UNDERWRITER
SEASONED ENCOMPASS USER
VA BOOT CAMP / CREDIT
EXPERIENCED WITH DU / LP
MANUAL / PORTFOLIO UNDERWRITING EXPERIENCE
Timeline
Senior Mortgage Underwriter
United Community Bank
04.2017 - Current
Manager, Scenario Help Desk /Sr. Underwriter
Homeowners Mortgage
12.2015 - 04.2017
Senior Mortgage Loan Underwriter
First Continental Mortgage
07.2015 - 12.2015
Underwriting Manager
Homeowners Mortgage
01.2015 - 06.2015
Senior Mortgage Underwriter
United Community Bank
08.2014 - 01.2015
Mortgage Underwriter/Portfolio Underwriter, VP
The Coastal Bank
12.2013 - 08.2014
Mortgage Underwriter
Primary Residential Mortgage
10.2013 - 12.2013
Operations Manager
Starkey Mortgage
02.2013 - 10.2013
Sr. Underwriter
Fidelity Bank
11.2012 - 02.2013
Sr. Mortgage Underwriter
Bank of America Home Loans
07.2010 - 09.2011
Assistant Director of Student Financial Advising
Savannah College of Art and Design
09.2009 - 07.2010
Vice President for Mortgage Lending/Sales Manager
Darby Bank and Trust
02.2005 - 02.2009
Sales Manager/Operations Manager/Sr Underwriter
Taylor Bean and Whitaker Mortgage Corporation DBA Accumortgage
01.1998 - 01.2005
Account Executive, Wholesale Lending
Flagstar Bank
01.1997 - 01.1998
Loan Originator
Independent Mortgage Brokers/Ameribank
01.1992 - 01.1997
Licensed Realtor
Harper and Company Realtors
01.1978 - 01.2002
PUBLIC INFORMATION SPECIALIST
Library of Congress
01.1976 - 01.1990
High School Diploma -
MCLEAN HIGH SCHOOL
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