MATTHEW CROWLEY
Jacksonville,FL
Work Preference
Summary
Dynamic mortgage professional with extensive experience at Bank of America, excelling in DE FHA underwriting, loan origination and risk assessment. Proven track record in analyzing complex loan applications and ensuring compliance with investor guidelines. Strong analytical skills and attention to detail drive successful outcomes in client portfolio management and quality assurance.
Active Florida NMLS License # 2304036
Overview
30
30
years of professional experience
1
1
Certification
Work History
Small Business Underwriter - Conventional - DE Underwriter
BANK OF AMERICA
Jacksonville, USA
01.2021 - 01.2025
- Review loan applications to verify they meet investor guidelines
- Analyze credit reports, appraisals, surveys, titles along with asset and income documentation
FHA DE Underwriter
PLAZA HOME MORTGAGE
Jacksonville, USA
11.2020 - 06.2021
- Assessed FHA loan applications for adherence to guidelines and regulations.
Mortgage Loan Modification Underwriter
BANK OF AMERICA
Jacksonville, USA
01.2016 - 01.2020
- Review requests for mortgage assistance and determine the appropriate documentation
- Advise fraud detection department of "Red Flags" when appropriate
- Review documentation for completeness and perform income calculations per guidelines
Reps and Warrants Associate
BANK OF AMERICA
Jacksonville, USA
01.2010 - 01.2016
- Review repurchase demands issued to the bank from varying loan pool investors
- Determine accuracy of issues identified in repurchase requests and advise council
- Prepare rebuttal responses to demands when appropriate
- Advise fraud detection department of "Red Flags" when appropriate
DE Underwriter
BANK OF AMERICA
Jacksonville, USA
01.2009 - 01.2010
- Review FHA loan applications to verify they meet government and investor guidelines
- Analyze credit reports, appraisals, surveys, titles along with asset and income documentation
Account Executive
FIRST PLACE
Jacksonville, USA
01.2008 - 01.2009
- Administered account portfolios, ensuring swift follow-ups and comprehensive resolution of client inquiries.
Account Executive
FIRST STATE MORTGAGE
Jacksonville, USA
01.2003 - 01.2007
- Supported clients in selecting products with tailored recommendations and effective solutions.
Sr. Underwriter (MN)
FIRST STATE MORTGAGE
Jacksonville, USA
01.1999 - 01.2003
Team Lead
UNITED COMPANIES FUNDING
Eagan, USA
01.1996 - 01.1999
Loan Processor
GREEN TREE FINANCIAL
St. Paul, USA
01.1995 - 01.1996
- Processed loan applications efficiently to ensure timely approvals.
Education
Bachelor's Degree - Finance
Merrimack College
North Andover, MASkills
- Analytical skills
- Organizational skills
- PC proficiency
- Business software expertise
- Mortgage lending software knowledge
- DE FHA underwriting
- Dedicated work ethic
- Policy adherence
- Loan origination and underwriting
- Employment verification
- Teamwork and collaboration
- Mortgage underwriting
- Attorney communication
- Risk management
- Detail orientation
- Team collaboration
- Risk assessment
- Client portfolio management
- Quality assurance processes
- Compliance regulations expertise
- Loan approval and denial
- Problem solving
- Analytical thinking
- Attention to detail
Certification
Florida NMLS # 2304036
Accomplishments
- Earned designations as DE Underwriter and Mortgage Loan Officer.
Timeline
Small Business Underwriter - Conventional - DE Underwriter
BANK OF AMERICA
01.2021 - 01.2025
FHA DE Underwriter
PLAZA HOME MORTGAGE
11.2020 - 06.2021
Mortgage Loan Modification Underwriter
BANK OF AMERICA
01.2016 - 01.2020
Reps and Warrants Associate
BANK OF AMERICA
01.2010 - 01.2016
DE Underwriter
BANK OF AMERICA
01.2009 - 01.2010
Account Executive
FIRST PLACE
01.2008 - 01.2009
Account Executive
FIRST STATE MORTGAGE
01.2003 - 01.2007
Sr. Underwriter (MN)
FIRST STATE MORTGAGE
01.1999 - 01.2003
Team Lead
UNITED COMPANIES FUNDING
01.1996 - 01.1999
Loan Processor
GREEN TREE FINANCIAL
01.1995 - 01.1996
Bachelor's Degree - Finance
Merrimack College