John Snellbaker
Aurora
Summary
Detail-oriented analytical professional with expertise in information gathering, report preparation, and data compilation. Demonstrates in-depth knowledge of insurance coverage forms, procedures, and policies, ensuring compliance and clarity for clients. Adept at crafting customized requests that align with client needs while maintaining a logical and accommodating approach. Aiming to leverage these skills to enhance operational efficiency and client satisfaction.
Overview
16
16
years of professional experience
Work History
Underwriting Analyst
Self Employed Services
Aurora
07.2023 - 03.2025
- Entered and maintained risk information in various information systems.
- Self-employed consultant to assist first-time homebuyers in understanding the process.
- Reviewed sufficient insurance coverage, taxes, PMI, and HOA obligations.
- Clarified purpose and function of escrow accounts.
- Analyzed debt-to-income ratios for financial evaluations.
- Clarified details of loan estimate form.
- Provided details on first-time homeowner loans, VA loans, FHA loans, and some USDA loans.
Senior Underwriter
Zions Bancorp
06.2020 - 05.2023
- Underwrote, assessed risk, and reviewed Conv, FHA, VA, and USDA loan applications.
- Examined and resolved conditions.
- Created comprehensive training resources for FHA, USDA, VA loan programs.
- Leveraged risk insights and data models to guide sales decisions.
- Calculated income for various types of borrowers from W2 employees to self-employed individuals.
- Managed resolutions with investors and banks.
- Evaluated borrowers' financial risk and repayment capacity.
- Evaluated title and property appraisals for tolerance compliance.
- Guided junior team members.
- Adhered to established production standards.
- Met Dodd Frank requirements through continuing education.
Underwriter
DHI Mortgage
04.2015 - 08.2019
- Underwrote and assessed risk for Conv, FHA, VA, USDA loans.
- Evaluated and satisfied requirements.
- Guided processors through the process of understanding and meeting underwriting conditions.
- Trained junior underwriters and support staff in underwriting processes and policies.
- Participated in optimizing the process improvement team's efforts.
- Performed calculations for precise data validation.
- Maintained consistent production standards.
- Met Dodd Frank requirements through continuing education.
Senior Underwriter
Pulte Home loans
03.2010 - 03.2015
- Reviewed Conventional, , USDA, and bond loans.
- Addressed and resolved conditions promptly.
- Trained new team members.
- Guaranteed loans adhered to investor guidelines.
- Met Dodd Frank requirements through continuing education.
- Fulfilled production quotas.
- Developed a user-friendly checklist.
- Developed team building exercises.
- Examined appraisal documents for discrepancies.
- Achieved production targets.
Underwriter
AME financial
03.2009 - 02.2010
- Evaluated and underwrote conventional, USDA, and FHA loans.
- Assessed and resolved conditions.
- Provided training to junior personnel.
- Engaged actively in team building exercises.
- Developed checklist for new loan products.
- Launched innovative products.
- Ensured all online courses remained current.
Education
Associate of Arts - Business Management
University of North Texas -Thru US Navy
Uss Denver LPD-903-1992
Certificate of Technical Studies - Electricity And Electronics
US NAVY
Great Lakes, IL10-1989
High School Diploma -
Highland High School
Thornton, CO06-1987
Some College (No Degree) - Business Administration
Regis University
Denver, COSkills
- Risk Analysis Expertise
- Data Insights Generation
- Analytical Financial Reporting
- Regulatory Standards Knowledge
- Mortgage Underwriting Expertise
- Home Loan Analysis
- Escrow management
- Customer service
- Process optimization
- Training development
- Financial analysis
- Data analysis
- Regulatory compliance
- Mortgage evaluation
- Team collaboration
- Time management
- Attention to detail
- Underwriting guidelines
- Problem solving
Affiliations
- In my spare time I enjoy restoring classic american muscle cars,
Accomplishments
- received ny FHA chums number.
- Certified in appraisal review
- USDA training class
Timeline
Underwriting Analyst
Self Employed Services
07.2023 - 03.2025
Senior Underwriter
Zions Bancorp
06.2020 - 05.2023
Underwriter
DHI Mortgage
04.2015 - 08.2019
Senior Underwriter
Pulte Home loans
03.2010 - 03.2015
Underwriter
AME financial
03.2009 - 02.2010
Associate of Arts - Business Management
University of North Texas -Thru US Navy
Certificate of Technical Studies - Electricity And Electronics
US NAVY
High School Diploma -
Highland High School
Some College (No Degree) - Business Administration
Regis University
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