Leroy Tillman Jr.
Summary
Dedicated professional with proven performance in management, leadership and communication. Detail-oriented in problem-solving and planning. Ready to make an immediate contribution to your organization.
Overview
14
14
years of professional experience
Work History
Hybrid Underwriter - SASE III
Wells Fargo
Charlotte
01.2024 - Current
- Utilized advanced analytics techniques, including regression analysis, to refine underwriting decisions and support risk assessment.
- Developed and implemented process improvement initiatives that streamlined operational procedures, enhancing overall efficiency.
- Maintained up-to-date knowledge of industry trends and regulatory changes to inform strategic business decisions.
Remote Underwriter II
Bank of America
Charlotte
05.2022 - 12.2023
- Expertly executed manual underwriting of bespoke mortgage loans with unparalleled precision.
- Analyzed borrowers' credit profiles, collateral, and repayment potential to assess mortgage loan viability, ensuring informed lending decisions.
- Reviewed purchase transactions across multiple programs to confirm adherence to lender guidelines, facilitating smooth loan processing.
- Ensured compliance with lending, underwriting, and governmental regulations, upholding ethical standards in all transactions.
Underwriter II
Flagstar Bank
Troy
07.2020 - 04.2022
- Achieved a remarkable 99.59% quality rating in underwriting with exceptional attention to detail.
- Analyzed borrowers' credit profiles, collateral, and repayment capacity to assess mortgage loan feasibility and mitigate risk.
- Assessed the creditworthiness of borrowers and made informed credit decisions through a thorough review of various financial documents including paystubs, W2s, financial statements, tax returns, asset statements, and credit reports.
- Ensured compliance with lending, underwriting, and government regulations, upholding industry integrity.
Remote Underwriter Specialist I
SitusAmc
Tampa
10.2017 - 09.2020
- Managed underwriting for multiple project scopes, including purchases/refinances, Due Diligence projects, and Small Business Administration (SBA) Loans.
- Examined and evaluated loan applications and documentation to assess risk and make informed decisions aligned with agency and investor guidelines.
- Provided exceptional customer service while efficiently rendering high-quality loans that meet salability standards.
- Adapted to changing company needs and transitioned between various project scopes, including underwriting for purchases/refinances and Due Diligence projects.
Financial Analyst
ACCENTURE CREDIT SERVICES
Charlotte
04.2015 - 10.2017
- Analyzed credit histories, income, and assets to determine loan eligibility and amount, optimizing use of debt-to-income and loan-to-value ratios.
- Evaluated FNMA/FHLMC home loan products and ensured compliance with organization and government lending guidelines through meticulous verification of legal documents.
- Drove revenue growth by effectively managing a large loan portfolio while maintaining top-notch review quality and customer satisfaction.
- Reached a noteworthy milestone of obtaining $1M sign-off authority with Bank of America as a SASE 3 level underwriter.
Underwriter II (Remote)
INDECOMM GLOBAL SERVICES
Bowie
02.2014 - 04.2015
- Monitored lending value methodologies, credit policies, and regulatory requirements to ensure effective risk management.
- Identified and addressed process gaps and weaknesses to enhance accuracy and regulatory adherence.
- Conducted thorough FDIC collateral reviews to ensure compliance and control in various lending arrangements, including asset liens and releases.
Underwriter II and Underwriter
Clayton Holdings, LLC
Tampa
05.2012 - 01.2014
- Proven versatility in loan evaluation by underwriting a diverse portfolio of loan products including FHA, VA, USDA, FHLMC, FNMA, and nonconventional programs for reputable lenders such as SunTrust Bank and Ocwen Mortgage.
- Managed loan pipeline effectively, ensuring timely closings and delivering high-quality customer service.
- Reviewed loan documents meticulously, including financial statements and credit reports, to ensure compliance and accuracy within quality control framework.
- Executed thorough first-level fraud reviews, utilizing expert judgment to grant clearance with sign-off authority of up to $650K.
Education
High School Diploma -
Riverdale Senior High School
GASkills
- Mortgage Underwriting
- Conventional Lending
- Underwriting standards
- Lending Guidelines
- Credit analysis
- Risk Assessment
- Loan-to-Value Ratios
- FNMA and FHLMC
- ARM and FRMs
- Regulatory compliance
- Fraud detection
- Data proficiency
- Process enhancement
- Client relationship management
- Critical Thinking
Timeline
Hybrid Underwriter - SASE III
Wells Fargo
01.2024 - Current
Remote Underwriter II
Bank of America
05.2022 - 12.2023
Underwriter II
Flagstar Bank
07.2020 - 04.2022
Remote Underwriter Specialist I
SitusAmc
10.2017 - 09.2020
Financial Analyst
ACCENTURE CREDIT SERVICES
04.2015 - 10.2017
Underwriter II (Remote)
INDECOMM GLOBAL SERVICES
02.2014 - 04.2015
Underwriter II and Underwriter
Clayton Holdings, LLC
05.2012 - 01.2014
High School Diploma -
Riverdale Senior High School