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, COSkills
- 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
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