Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Michael Hill

Rochester,NY

Summary

Efficient and detail orientated senior mortgage underwriter with over 12 years experience in frontline first mortgage underwriting. Experienced underwriting for retail, wholesale and non-delegated correspondent loan channels. FHA DE (Direct Endorsed) Certified since 2012. Proficient with DU & LP automated underwriting systems (AUS) and manual underwriting. Extensive experience with multiple LOS (Loan Operation Systems) including Encompass and Empower. Expert in all phases of residential mortgage underwriting including all forms of income analysis: W2; 1099; 1040 (all schedules); 1120; 1120-S, 1065; K-1. Proven ability to achieve high volume production numbers while maintaining elite performance on quality assurance audits. Committed team player dedicated to providing exceptional customer service.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Senior Mortgage Underwriter

LoanDepot
06.2020 - 10.2022
  • Responsible for all phases of underwriting FHA 203b, FHA 203k (renovation), Conventional (FNMA & Freddie Mac) and Manual Underwriting of residential first mortgage loans
  • Ensured all Investor, Company and Agency guidelines were in compliance through review of credit reports, income & asset documents, purchase & sale contracts, title reports and property appraisals
  • Experience/Proficiency with use of Empower LOS (Loan Operation System)
  • Developed and maintained professional relationships with internal and external customers by maintaining open lines of communication to ensure approval of quality performing loans
  • Guided, mentored and coached junior underwriters instilling best practice and company standards.

Senior Underwriter

Annie Mac Mortgage Co
08.2019 - 06.2020
  • Responsible for all phases of underwriting FHA 203b, FHA 203k (renovation), Conventional (FNMA & Freddie Mac) and Manual Underwriting of residential and mixed-use properties first mortgage loans
  • Experience/Proficiency with use of Encompass LOS
  • Consistently exceeded production and quality standards

Government Underwriter

American Financial Resources Inc. (AFR)
06.2018 - 12.2018
  • Responsible for all phases of underwriting FHA 203b and FHA 203k (renovation)
  • Experience/Proficiency with use of Encompass LOS
  • Performed significant number underwriting reviews Manufactured Homes


Renovation & Construction Underwriter III

First Guaranty Mortgage Corporation
08.2015 - 12.2017
  • Responsible for all phases of underwriting FHA 203b, FHA 203k (renovation), FHA OTC (one Time Close), Conventional (FNMA & Freddie Mac) and Manual Underwriting of residential first mortgage loans
  • Experience/Proficiency with use of Encompass LOS
  • Assisted in developing training materials used to assist and educate new hires on essential job functions, contributing to their successful on-boarding and integration into newly formed Renovation/Construction team

Consumer Loan Underwriter IV

WELLS FARGO HOME MORTGAGE
04.2010 - 07.2015
  • Responsible for all phases of underwriting FHA 203k and Conventional FNMA Homestyle Renovation residential
    first mortgage loans.
  • Obtained FHA DE Certification in February 2012
  • Achieved highest level of company's non-managerial underwriting authority. Responsible for underwriting Wells Fargo's most complex and high balance loan applications
  • Provided credit, income and asset analysis training for newly hired loan processors

Education

Bachelor of Science - Business Administration

University of Denver
Denver, CO

Skills

  • FHA 203b & 203k (renovation) Guidelines
  • FNMA & Freddie Mac Guidelines
  • Automated Underwriting System (AUS) & Manual Underwriting
  • Residential mortgage lending regulations
  • Data Interpretation
  • Credit History Review
  • Income Evaluation
  • Tax Return Analysis
  • Asset statement analysis
  • Appraisal Review Expertise
  • Regulatory Compliance
  • Customer Service

Certification

HUD/FHA DE / CHUMS ID

Timeline

Senior Mortgage Underwriter

LoanDepot
06.2020 - 10.2022

Senior Underwriter

Annie Mac Mortgage Co
08.2019 - 06.2020

Government Underwriter

American Financial Resources Inc. (AFR)
06.2018 - 12.2018

Renovation & Construction Underwriter III

First Guaranty Mortgage Corporation
08.2015 - 12.2017

Consumer Loan Underwriter IV

WELLS FARGO HOME MORTGAGE
04.2010 - 07.2015

Bachelor of Science - Business Administration

University of Denver

HUD/FHA DE / CHUMS ID

Michael Hill