Michael Reggin
Sartell,MN
Summary
Credit and Risk Management professional with extensive experience in credit analysis, loan review, and risk assessment across retail, commercial, and mortgage lending. Proven success in evaluating credit quality, identifying portfolio risks, and ensuring compliance with complex underwriting standards and regulatory requirements. Skilled in preparing credit review reports, recommending corrective actions, and supporting policy updates to control credit risk. Experienced in a wide range of lending products, including government loans, with additional expertise in fraud detection and compliance monitoring. Adept at managing complex case reviews, collaborating with management, and delivering clear, actionable findings.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
American Pacific Mortgage and Magnifi Financial
Remote
01.2019 - Current
- Conduct in-depth reviews of a wide variety of loans, including conventional, FHA, VA, USDA, jumbo, and portfolio products, ensuring adherence to multiple complex investor and regulatory guidelines.
- Approved and managed loans exceeding $50 million annually, consistently ensuring sound credit decisions and portfolio stability.
- Assessed borrower creditworthiness, cash flow, collateral, and overall risk to safeguard credit quality.
- Identified documentation deficiencies, policy exceptions, and credit weaknesses, recommending corrective actions to management.
- Partnered with lending staff and management to clarify underwriting findings and resolve credit issues efficiently.
- Contributed to credit policy updates and process improvements to strengthen loan quality controls and risk management.
Investor Loan Servicer
Magnifi Financial Credit Union
02.2018 - 01.2019
- Managed investor loan portfolios, monitoring credit quality and compliance with investor requirements.
- Resolved complex servicing issues to protect credit quality and mitigate risk exposure.
Senior QA Underwriter – Fraud & Compliance
Capital One
12.2014 - 03.2017
- Monitored loan and account activity, conducting quality assurance reviews to ensure compliance with credit and regulatory standards.
- Investigated suspicious activities and escalated deficiencies, preventing millions in potential financial losses.
- Performed KYC reviews to verify customer identity and assess risk profiles in line with compliance requirements.
- Prepared credit and risk review reports, supporting internal audit and management oversight.
Mortgage Underwriter
Capital One
07.2011 - 03.2015
- Reviewed and approved mortgage applications across multiple loan products, ensuring adherence to credit policy and regulatory requirements.
- Maintained a high accuracy rate in credit decisioning, contributing to strong portfolio quality.
Vendor Management | Mortgage Loan Specialist
Capital One
01.2004 - 01.2011
- Oversaw vendor and appraisal management to ensure valuation accuracy and compliance with credit risk guidelines.
- Guided clients through the mortgage application process, ensuring documentation completeness and credit compliance.
Education
Associate of Arts and Sciences - Credit and Finance
St. Cloud Technical and Community College
St. Cloud, MNSkills
- Credit Analysis & Loan Review
- Risk Assessment & Portfolio Monitoring
- Loan Quality & Regulatory Compliance
- Government & Conventional Loan Underwriting (FHA, VA, USDA, Jumbo)
- Loan Documentation & Exception Reporting
- Credit Policy Development & Recommendations
- Fraud Detection & KYC Processes (light emphasis)
- Report Preparation & Presentation
Certification
- FHA DE Underwriting
- Certified Fraud Examiner – In Progress
Timeline
Senior Mortgage Underwriter
American Pacific Mortgage and Magnifi Financial
01.2019 - Current
Investor Loan Servicer
Magnifi Financial Credit Union
02.2018 - 01.2019
Senior QA Underwriter – Fraud & Compliance
Capital One
12.2014 - 03.2017
Mortgage Underwriter
Capital One
07.2011 - 03.2015
Vendor Management | Mortgage Loan Specialist
Capital One
01.2004 - 01.2011
Associate of Arts and Sciences - Credit and Finance
St. Cloud Technical and Community College