James Davis
Columbus,OH
Summary
Underwriting (10 years), Experienced with FHA, VA, USDA, VHDA, NCHFA, Essex and other DAP programs. DE/SAR & LAPP
Overview
5
5
years of professional experience
Work History
Senior Mortgage Underwriter
Alcova Mortgage, LLC
03.2021 - Current
- Underwrite Conventional, FHA, VA, USDA, VHDA, NCHFA, Essex loan.
- Review NOV's (VA appraisals)
- Calculates income, self-employment, corporate returns, rental income, etc.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
Mortgage Underwriter
T2 Financial Services
06.2020 - 03.2021
- Underwrite Conventional and FHA loans.
- Verifies data integrity and accuracy.
- Calculates income, self-employment, corporate returns, rental income etc.
- Evaluates DU, LPA and Fraud Reports
- Reviews Trust, Condominium, Power of Attorney, Title, Credit documents
- Created educational materials on investor guidelines & COVID overlays
- Provides support for Post Closing.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA
Loan Processor
CFBank
05.2019 - 06.2020
- Processed Conventional, FHA and VA loans.
- Ordered Appraisal, Title, Income verification, Homeowners insurance, credit supplements, calculate income.
- Produce closing documents for title companies.
- Provide support for Post Closing.
Senior Underwriter II
Liberty Mortgage Company
07.2018 - 02.2019
- Underwrote Conventional and FHA loans.
- Support staff & educate on investor guidelines.
- Verified data integrity and accuracy.
- Calculated income, self-employment, corporate returns, rental income etc.
- Evaluated DU, LPA and Fraud Reports
- Reviewed Trust, Condominium, Power of Attorney, Title, Credit documents
- Provided support for Post Closing.
Skills
- Residential Loans
- Application Analysis
- LTV Calculations
- Debt-to-Income Ratios
- FNMA Guidelines
- Tax Return Analysis
- Credit Risk Assessment
- Regulatory Compliance Understanding
Personal Information
Title: Senior Underwriter II
Timeline
Senior Mortgage Underwriter
Alcova Mortgage, LLC
03.2021 - Current
Mortgage Underwriter
T2 Financial Services
06.2020 - 03.2021
Loan Processor
CFBank
05.2019 - 06.2020
Senior Underwriter II
Liberty Mortgage Company
07.2018 - 02.2019