James McArdle
South Windsor,Connecticut
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Senior Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
13
13
years of professional experience
Work History
Mortgage Underwriter
Carrington Mortgage
02.2016 - 01.2023
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
Mortgage Underwriter
First Alliance Lending
06.2012 - 01.2016
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Maintained mortgage program compliance with federal agencies such as HUD and FNMA.
Mortgage Underwriter
Peoples United Bank
03.2010 - 06.2012
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Education
Associate of Arts - Banking
Westchester Community College
Valhalla, NY06.1993
Skills
- Customer Relations
- Desktop Underwriter
- Loan Product Knowledge
- Automated Underwriting Systems
- LexisNexis Software
- Government Lending
- Mortgage Lending Requirements
- Eligibility Requirements
- Loan Modification
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Mortgage Underwriter
Carrington Mortgage
02.2016 - 01.2023
Mortgage Underwriter
First Alliance Lending
06.2012 - 01.2016
Mortgage Underwriter
Peoples United Bank
03.2010 - 06.2012
Associate of Arts - Banking
Westchester Community College