Jason Warren
Credit and mortgage operations professional with 10+ years of experience conducting credit investigations, verifying borrower financial information, analyzing credit reports, reviewing loan documentation, and supporting underwriting decisions across Conventional, Government, Jumbo, and mortgage lending products. Strong background in credit verification, risk assessment, fraud detection, and financial analysis with proven ability to identify discrepancies, validate documentation accuracy, update credit-related information, and support compliant lending decisions. Experienced in reviewing borrower income, assets, liabilities, employment history, and repayment capacity while performing detailed credit analysis and maintaining adherence to underwriting guidelines, regulatory standards, and service level agreements (SLAs). Skilled in operational support, issue resolution, and cross-functional collaboration, working with production teams, compliance, fraud, and customer service departments to resolve documentation deficiencies and maintain efficient workflow processes. Detail-oriented professional recognized for maintaining high quality standards, strong accuracy, customer satisfaction, regulatory compliance, and managing high-volume workloads while supporting mortgage underwriting and credit reporting functions.
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Work History
Credit Analyst
3 Years 7 Months- Conduct credit investigations and analyze customer account information to identify discrepancies, resolve issues, and support financial decision-making processes.
- Investigate and resolve customer complaints received through phone, social media, email, and written correspondence while ensuring timely resolution and customer satisfaction.
- Review, verify, and update customer credit-related information to maintain accuracy across internal systems.
- Collaborate with fraud, compliance, banking operations, and technology departments to resolve credit reporting issues and account discrepancies.
- Analyze financial information and account history to support risk assessments and operational decisions.
- Calculate interest on Certificates of Deposit and other financial products while ensuring accuracy in account servicing.
- Support production teams by researching account discrepancies, validating documentation, and assisting with issue resolution processes.
- Maintain compliance with banking regulations, company policies, and quality standards.
- Provide detailed documentation of investigations, findings, and corrective actions taken.
- Escalate high-risk issues and potential fraud concerns to appropriate departments.
Mortgage Underwriter
1 Year 6 Months- Underwrote Conventional, Jumbo, NonQM/Non-Agency, Alt-A, and Construction-to-Permanent loans while ensuring compliance with investor and underwriting guidelines.
- Managed high-volume pipelines exceeding 50+ loans monthly while consistently meeting SLA deadlines.
- Conducted borrower credit analysis including review of income, assets, liabilities, employment, and repayment capacity.
- Performed detailed risk assessments and fraud prevention reviews to identify inconsistencies and potential concerns.
- Reviewed credit reports, supporting documentation, and borrower profiles to determine loan eligibility.
- Verified accuracy of loan documentation and updated information supporting underwriting decisions.
- Worked closely with processors and production teams to resolve outstanding conditions and documentation deficiencies.
- Communicated underwriting decisions and required conditions clearly to stakeholders.
Mortgage Underwriter
1 Year 1 Month- Reviewed and approved Conventional mortgage, Jumbo, NonQM/Non-Agency, Alt-A, and Construction-to-Permanent loans transactions using Encompass.
- Conducted income analysis, credit reviews, appraisal evaluations, and risk assessments according to investor guidelines.
- Verified borrower financial information to support accurate underwriting decisions.
- Performed quality checks on documentation ensuring complete and compliant loan files.
- Maintained productivity standards while exceeding volume goals and quality metrics.
- Supported resolution of documentation discrepancies and underwriting conditions.
Mortgage Underwriter
4 Months- Reviewed Conventional loan applications and completed manual underwriting using H2O software.
- Conducted credit analysis and verified borrower information supporting loan decisions.
- Evaluated documentation accuracy, income calculations, assets, liabilities, and collateral information.
- Ensured all underwriting decisions complied with investor guidelines and internal standards.
- Achieved zero post-closing deficiencies through detailed review and quality control practices.
Quality Assurance Manager
1 Year 6 Months- Led quality assurance initiatives ensuring compliance with FDCPA regulations and operational standards.
- Monitored performance metrics and identified process improvement opportunities.
- Investigated errors, analyzed trends, and implemented corrective actions improving quality outcomes.
- Reviewed documentation accuracy and maintained compliance standards across teams.
- Supported coaching initiatives and operational improvements.
Mortgage Underwriter II
9 Months- Managed Conventional purchase and refinance underwriting.
- Evaluated borrower financial strength, repayment ability, liabilities, and risk exposure.
- Conducted credit analysis and documentation review supporting underwriting decisions.
- Maintained signing authority up to $800K while meeting SLA requirements.
- Verified supporting documentation and ensured loan file completeness.
Mortgage Underwriter II
1 Year 1 Month- Underwrote Government and Conventional loan portfolios.
- Utilized Encompass, LP, DU, and ACES systems supporting efficient underwriting processes.
- Conducted borrower credit analysis and documentation verification.
- Collaborated with stakeholders to resolve issues and maintain production timelines.
Senior Underwriter
1 Year 11 Months- Assisted borrowers in understanding loan terms and payment responsibilities.
- Maintained 99.5% quality accuracy while meeting departmental goals.
- Conducted detailed loan reviews and risk analysis supporting underwriting decisions.
- Delivered high customer satisfaction through effective communication and issue resolution.
Education
High School Diploma
Skills
Certification
- NMLS-certified mortgage underwriting professional
- Certified Residential Underwriter, Mortgage Bankers Association 2022
- Notary Public Texas, Notary Signing Agent Certified.