Korbin Maxwell
Cedar Hill,TX
Summary
Smart financial professional with solid experience in Underwriting/financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels, while applying strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
15
15
years of professional experience
Work History
Underwriter II
Northpointe Bank
09.2020 - 02.2024
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Applied effective time management techniques to meet tight deadlines.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Determined and documented loan conditions and communicated requirements and decisions.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Over 2000 underwritten and managed 30 new loans in pipeline monthly.
Underwriter
Penny Mac Home Loans
01.2019 - 09.2020
- Initiate third party orders (title, appraisal, hazard, flood cert, credit, etc.) Evaluate debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Identify portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
- Manage pipeline of 15+ loans
- Achieved faster turnaround times in application processing by optimizing workflows within underwriting department.
Owner/Operator Truck Driver
K-Max Transit
09.2014 - 10.2018
- Executed deliveries to various companies throughout Metroplex
- Devised new promotional approaches to boost customer numbers and market penetration while enhancing engagement and driving growth
- Established and adhered to detailed production schedules for over 40 projects
- Maintained excellent attendance record, consistently arriving to work on time
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Jr Underwriter/Underwriter
Nationstar Mortgage
11.2010 - 04.2014
- Ensure loan submittals meet internal and external eligibility requirements
- Gained extensive experience in Underwriting FHA, VA, and Fannie Mae loans
- Reviewed documentation and made structural recommendations and for accuracy and completeness
- Demonstrate excellent follow-through with borrowers, underwriters, loan originators, and management through- out all phases of underwriting process.
- Managed portfolio of 15+ loans monthly
Loan Processor
Bank Of America
08.2009 - 11.2010
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss
- Ensured completion of files were accurate and coordinated effectively with title companies to finalize closings
- Averaged of 30 to 45 files monthly
- Performed income analysis for each borrower, including evaluating self-employment, corporate, and/ or partnership tax returns
- Averaged 25 to 30 loans monthly.
Education
Bachelor of Arts - Psychology
University of North Texas At Dallas
Dallas, TX12.2017
Associate of Arts - Business Administration
Mountain View College
Dallas, TX12.2009
Skills
- Policy renewal
- Documentation
- Loss Prevention
- Relationship Building
- Excellent customer service
- Credit
- Tax returns
- Underwriting
- Quality Assurance
- Risk Assessment
- Data Analysis
- Driven
- Proactive team player
Timeline
Underwriter II
Northpointe Bank
09.2020 - 02.2024
Underwriter
Penny Mac Home Loans
01.2019 - 09.2020
Owner/Operator Truck Driver
K-Max Transit
09.2014 - 10.2018
Jr Underwriter/Underwriter
Nationstar Mortgage
11.2010 - 04.2014
Loan Processor
Bank Of America
08.2009 - 11.2010
Bachelor of Arts - Psychology
University of North Texas At Dallas
Associate of Arts - Business Administration
Mountain View College
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