Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michael Curtis

Clarkston,MI

Summary

Analytical professional with strong background in financial modeling and risk management. Skilled in providing financial consultations and solutions for businesses of all sizes. Astute candidate develops new strategies and processes to optimize financial operations. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

5
5
years of professional experience

Work History

Quality Control Auditor

United Wholesale Mortgage
03.2021 - Current
  • Followed established auditing processes to meet internal and regulatory requirements.
  • Performed observations and evaluated supporting documents to supplement audit findings.
  • Analyzed data and findings to prepare reports detailing financial information.
  • Administered auditing program to address risks and evaluate compliance with regulatory requirements.
  • Planned audits and audit activities to allocate necessary resources and determine consistency of plans with audit objectives.
  • Identified control gaps in processes, procedures and systems through in-depth research and assessment and suggested methods for improvement.
  • Executed audit phases and entered data into accounting software for analysis.
  • Coordinated, managed and implemented auditing projects and prepared for evaluation.
  • Planned and executed follow-up audits at appropriate intervals.
  • Interpreted state and federal laws, accepted auditing principles and procedures and program standards to audited materials and data to detect non-compliance and facilitate recommendations.
  • Adapted plans and schedules to meet changing priorities of work objectives, resources and workload demands.
  • Consulted clients on internal control systems development and audit program improvements.
  • Obtained and interpreted relevant and authoritative criteria for program or issues under audit.
  • Prepared working papers, reports and supporting documentation for audit findings.
  • Tracked funds and reconciled accounts.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Identified issues of non-compliance and elevated reports to senior personnel.
  • Served as role model for mentees by demonstrating strong values and ethical standards.
  • Promoted positive relationships between mentees and other peers and adults to encourage social resilience and connection.
  • Assisted mentees in developing self-confidence and positive self-image.
  • Provided guidance on stress management and grounding techniques to reduce overwhelm.
  • Regularly assessed progress and provided feedback to support continued development.
  • Planned, developed, and implemented strategies to convey information with key decision makers.
  • Collaborated with stakeholders to define project objectives and criteria.
  • Performed gap analysis to identify areas of improvement.
  • Analyzed key aspects of business to evaluate factors driving results and summarized into presentations.
  • Applied honed problem-solving skills to analyze and resolve issues impacting business operations and goal achievement.
  • Provided technical support for troubleshooting analytics and reporting issues.
  • Generated standard and custom reports to provide insights into business performance.
  • Implemented business intelligence solutions to increase operational efficiency.

Senior Mortgage Underwriter

United Wholesale Mortgage
03.2019 - Current
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.

Education

BBA - Economics And Finance

Saginaw Valley State University
Bay City, MI
12.2018

Skills

  • Residual Incomes
  • Debt-to-Income Ratios
  • Application Analysis
  • FNMA Guidelines
  • Residential Mortgage Lending Regulations
  • Asset Statements
  • Financial History Analysis
  • Credit History Review
  • Customer Relations
  • Attention to Detail
  • Automated Underwriting System (AUS)
  • Verbal and Written Communication
  • Analytical and Critical Thinking
  • Customer Service
  • Eligibility Determination
  • Data Entry
  • Cost-Benefit Analysis
  • Internal Auditing
  • Business Process Improvement
  • Requirements Gathering
  • Predictive Modeling
  • Competitive Analysis
  • Customer Needs Assessment
  • Quality Assurance
  • Technical Writing
  • Strategic Planning
  • KPI Tracking
  • Data Analysis
  • Project Management
  • Process Optimization
  • Financial Advising
  • CRM Systems
  • Project Finance

Timeline

Quality Control Auditor

United Wholesale Mortgage
03.2021 - Current

Senior Mortgage Underwriter

United Wholesale Mortgage
03.2019 - Current

BBA - Economics And Finance

Saginaw Valley State University

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Michael Curtis