Joseph Santini Davey
Chesterfield,MI
Summary
Honorably discharged US Marine and Mortgage expert with a proven track record and 7+ years of experience in Mortgage Operations and Sales. Experience includes: underwriting, closing, loan origination, processing, training/mentoring, credit analysis, document management, data entry, and leadership.
Overview
11
11
years of professional experience
Work History
Membership Director/Mortgage Banker
Homesite Mortgage
Shelby, Michigan
06.2024 - 01.2025
- Worked with senior leadership to develop comprehensive recruitment & sales strategies for long-term implementation.
- Sourced, qualified and conducted screening interviews with job candidates.
- Reviewed resumes, conducted phone screens, product/position presentations and managed candidate pipelines.
- Assisted in onboarding of new hires by providing orientation materials and training sessions.
- Monitored applicant tracking system actions to support hiring deadlines and streamline candidate experiences.
- Evaluate and approve mortgage loan applications
- Advise clients on various mortgage products and services
- Compile and analyze borrowers’ financial information, credit profile, and Asset history
- Order and review loan related documentation such as Title work, appraisals, down payment assistance programs, etc.
- Maintain up-to-date knowledge of market trends and mortgage products
- Ensure compliance with all regulatory requirements
Production Underwriter (Conventional/HELOC)
REMN Wholesale
08.2020 - 06.2024
- Completed assigned training and research to maintain compliance with regulatory agencies and current working knowledge of agency and investor guidelines and policies.
- Created strong interpersonal business relationships with our clients and team members, and provided exceptional service to mortgage brokers, borrowers, real estate agents, and other third parties in the transaction.
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Collaborated with Account executives, loan originators, and processors to correctly review and assess applications and risks.
Underwriting Team Leader (Conventional & HELOC)
REMN Wholesale
12.2020 - 05.2022
- Assisted in finding a resolution on investor deficiencies and adverse findings on loan audits.
- Delegated daily tasks to team members to optimize group productivity.
- Fostered positive employee relationships through communication, training and development coaching.
- Assisting team members in reviewing & Processing borrower Employment documentation, credit reports, title reports, and appraisals.
- Assisting team members and providing guidance to resolve complex loan applications scenarios.
Mortgage Underwriter
United Wholesale Mortgage
Pontiac, MI
10.2019 - 07.2020
- Reviewed applicant financial and credit status and determined feasibility of granting requested loans.
- Utilized AUS systems to assist in determining a files risk and appraisal requirements.
- Assisted in auditing other team members files and maintained a log of items reviewed and actions taken, then wrote corrective action reports for any mistakes made.
- Assisted in mentoring new underwriting team members.
Closer
United Wholesale Mortgage
Pontiac, MI
05.2018 - 10.2019
- Prepared Mortgage Closing packages.
- Reviewed invoices, title work, service provider lists, and settlement statements/closing disclosures.
- Reviewed and cleared final closing conditions on file.
- Solved max funds to close, down payment, HPML, qualified mortgage and high cost issues on files.
Mortgage Loan Officer and Processor
Victory Home Loans
Clinton Township, MI
02.2017 - 05.2018
- Mortgage Loan Origination through FHA, VA, USDA, and Conventional loan programs.
- Collected and reviewed documentation which included: income documentation, asset statements, credit report, title work, appraisal, etc.
- Provided product knowledge and professional guidance to clients and partnered realtors.
Mortgage Banker
Quicken Loans
Detroit, MI
08.2014 - 01.2017
- Answered a high volume of calls.
- Presented qualified mortgage programs that fit a clients goals/needs.
- Determined a clients eligibility through FHA, Conventional, and VA financing guidelines.
- Established and maintained clientele pipeline through referrals and inbound calls.
Assistant Sales Manager
Powerhouse Gym Macomb
Clinton Township, MI
04.2014 - 05.2015
- Business to Business Sales.
- Cold calling which included 100-200 calls per day.
- Gym membership advisement, product management, and sales training.
Education
High School Diploma -
Marysville High School
Marysville, MISkills
- Analyzing Data
- Organizational Skills
- Computer Skills
- Conflict Resolution
- Customer Service
- Team Building
- Training & Development
- Supervision & Leadership
- Managing Risk
Military
Branch: United States Marine Corps
Service Country: United States
Rank: Corporal
July 2013 to July 2019
TITLE: Field Radio Operator
Responsibilities:
- Established and maintained communications with companies and platoons during field operations.
- Assisted in data entry of equipment and maintained yearly equipment logs following the requirements for operational readiness set by the Marine Corps.
- Maintained all uniform, physical fitness, weight, marksmanship, and grooming standards established by the Marine Corps.
Non-Commissioned Officer Duties:
- Took command of all Jr. Marines assigned under me and ensured mission requirements are being met.
- Ensured all Jr. Marines equipment was operational, within standards, and packed for field training operations.
- Kept track of all government issues serialized gear signed out (equipment, weapons, ammunition, vehicles, etc.) which was done through audit logs and check out sheets.
- Mentored Jr. Marines and taught them communications specific job knowledge through one on one couching, classes, and practical application.
- Wrote pros and cons reports on Jr. Marines assigned under me included achievements and opportunities for improvement.
Timeline
Membership Director/Mortgage Banker
Homesite Mortgage
06.2024 - 01.2025
Underwriting Team Leader (Conventional & HELOC)
REMN Wholesale
12.2020 - 05.2022
Production Underwriter (Conventional/HELOC)
REMN Wholesale
08.2020 - 06.2024
Mortgage Underwriter
United Wholesale Mortgage
10.2019 - 07.2020
Closer
United Wholesale Mortgage
05.2018 - 10.2019
Mortgage Loan Officer and Processor
Victory Home Loans
02.2017 - 05.2018
Mortgage Banker
Quicken Loans
08.2014 - 01.2017
Assistant Sales Manager
Powerhouse Gym Macomb
04.2014 - 05.2015
High School Diploma -
Marysville High School