Justin Whitney
Columbus
Summary
Results-driven professional with 20 years in the mortgage sector and a strong record in life insurance sales. Expertise in analyzing client needs and delivering tailored solutions that enhance customer satisfaction. Skilled in relationship building and closing strategies to consistently meet sales targets.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Life Insurance Sales Self Employed
Globelife
Columbus
01.2025 - Current
- Executed business-to-business sales of life insurance products, enhancing client offerings.
- Sold basic employee life insurance products to businesses, facilitating sales of individual policies to employees.
- Visited small businesses with no current employee Life Insurance offerings.
- Followed up with existing clients to confirm policies aligned with changing needs.
- Current clients home/personal life changes updated existing policy to meet customers new needs.
- Collaborated with credit risk team to develop and implement policy writing.
Letter Carrier
United States Postal Service
Bexley
01.2023 - 02.2024
- Provided customer service and researched delivery exceptions in the field, utilizing remote tools to locate packages.
- Organized packages within delivery truck to streamline delivery process.
- Sorted misc and unassigned mail to ensure timely delivery and proper routing.
Mortgage Underwriting Oversight Manager
Chase
Columbus
08.2020 - 10.2022
- Subject matter expert in Credit Risk and Agency policy/guidelines.
- Worked with Credit risk in developing policy writing and implementing.
- Established network within risk committee to gain insights on risk decisions and company mindset regarding changes.
- Managed teams of Stateside Underwriters in Columbus and Phoenix, coordinating with Offshore Manila Senior Supervisor overseeing 6 Supervisors and 10 Underwriters per team.
- Main point of contact between Offshore Senior Supervisor and their teams with All Stateside Operations/Sales teams.
- Specialist in FHA and VA Processes.
- Conducted detailed reporting to identify specific customers and Senior Team production not aligning with current COVID policies while remaining active in the pipeline.
Mortgage Underwriting Process Manager
Chase
Columbus
03.2019 - 08.2020
- Deepened understanding of technology development, timelines and processes.
- Collaborated with business and technology groups to develop system processes, identify technology gaps, and document business requirements.
- Subject matter expert in Credit Risk and Agency policy/guidelines.
- Partnered with UAT Testing in developing and implementing testing scripts for project implicated changes.
- Utilized Quality Center to document and track project results.
- Created and facilitated training programs and materials for new Underwriting System, enhancing user competence and system adoption.
- Worked in and recorded results within Quality Center.
- Troubleshooted and resolved with IT partners on all on-boarding/off-boarding issues or errors.
Mortgage Underwriting Supervisor
Chase
Columbus
11.2015 - 03.2019
- Demonstrated expertise in Allregs, Fannie Mae, Freddie Mac, and FHA guidelines while ensuring compliance.
- Led high-energy, guideline-driven underwriting teams in Columbus and Phoenix, collaborating closely with sales and operations partners to ensure alignment on internal priorities.
- Highly attuned in ability to motivate team members to set, and work towards personal, professional and company fiscal goals.
- Developed and implemented offshore (Manila) and stateside interaction procedures, enhancing operational efficiency and communication across teams.
- Organized daily tasks and reporting to streamline workflow and improve efficiency.
- Coordinated efforts of diverse teams across multiple global locations to achieve unified goals, fostering collaboration and synergy.
- Naturally possess all the roles that it takes to be a leader: Grief, Relationship, Career Counselor, Therapist, Devil's Advocate, Wise All Knowing Confidant and Tough Love Parent.
Mortgage Underwriter
Chase
Columbus
08.2008 - 11.2015
- Analyzed and calculated applications, income documents, credit reports, and assets for conventional and FHA refinances, purchases, and home equity loans to assess mortgage creditworthiness.
- Ensure loan approvals meet Investor and loan product guides for salability.
- Thorough knowledge of Agency Credit policy requirements.
- Achieved FHA DE Certification to enhance mortgage underwriting skills.
- Review loan application for possible fraudulent activities and forward findings to appropriate individual for one up review.
- Review Data Verify for any red flags.
- Monitored agency and investor market changes and requirements to ensure compliance and informed decision-making.
- Collaborated with sales partners to maintain consistent communication with customers on inquiries, enhancing customer service experience.
- What
- When
- Why
- To ensure correct documents are received and touch times are kept to a minimum.
Stand In Credit Risk Trainer
Chase
05.2010 - 01.2012
- Collaborated with Credit Risk Training to implement Direct to Consumer Processors and Retail Loan Officer Credit Risk Training, enhancing team knowledge and compliance.
- Consulted with Credit Risk on development of training materials and policy clarifications.
- Traveled to various Chase sites to facilitate training with Q&A sessions regarding recent policies and clarifications.
- Assisted with the development and facilitation of the Mortgage Banking College Training Program in Jersey City, NJ.
- Assisted with the development and facilitation of the Mortgage Banking College Training Program in Jersey City, NJ.
- Administered online web-based virtual training sessions to enhance participant engagement.
Mortgage Processor
Chase
Columbus
11.2002 - 08.2008
- Collaborated with customers post-application to gather required documentation and package disclosures for Underwriter submission.
- Explained loan decision outcomes to customers, utilizing extensive knowledge to clearly communicate approvals and denials.
- Coordinated with customer and third-party vendors to obtain items for final approval.
- Coordinated with customers and third-party vendors to secure necessary items for final approval.
- Scheduled with customers their closing date and worked with title agencies to confirm said date.
- Main point of contact during closing if any questions or last minute changes needed to be made.
Education
Bachelor of Science - Business Communications
Ohio University
Lancaster11-2006
Skills
- Loan approval
- Mortgage underwriting
- FHA compliance
- FHA underwriting
- DE certification
- Credit risk analysis
- Documentation review
- Industry compliance
- Policy writing
- Project management
- Training development
- Systems integration
- Team leadership
- Problem solving
- Adaptability
- Time management
- Relationship building
- DE certification
Certification
FHA- Direct Endorsement, FC84
Timeline
Life Insurance Sales Self Employed
Globelife
01.2025 - Current
Letter Carrier
United States Postal Service
01.2023 - 02.2024
Mortgage Underwriting Oversight Manager
Chase
08.2020 - 10.2022
Mortgage Underwriting Process Manager
Chase
03.2019 - 08.2020
Mortgage Underwriting Supervisor
Chase
11.2015 - 03.2019
Stand In Credit Risk Trainer
Chase
05.2010 - 01.2012
Mortgage Underwriter
Chase
08.2008 - 11.2015
Mortgage Processor
Chase
11.2002 - 08.2008
Bachelor of Science - Business Communications
Ohio University