Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michael R. Howard

Houston

Summary

Proficient mortgage underwriter with a strong background in risk and credit analysis, dedicated to providing effective financial solutions. Extensive experience in assessing loan applications and negotiating favorable debt terms. Ability to identify and mitigate risks while maintaining a client-centric approach. Achievements include streamlining underwriting processes and enhancing overall operational efficiency.

Overview

18
18
years of professional experience

Work History

Early Career

  • Gained expertise in mortgage sales, conventional underwriting, and loss mitigation.
  • Managed procurement and inventory, ensuring smooth operational flow.
  • Participated in community events and fundraising activities, showcasing commitment to community engagement.

Debt Negotiator

Americor / Mission Loans
11.2023 - Current
  • Leveraged underwriting and financial analysis background to assess client hardship cases and structure debt resolution strategies.
  • Negotiated directly with creditors to reduce balances and secure manageable repayment terms.
  • Reviewed client financials (income, expenses, credit obligations) to develop sustainable repayment solutions.
  • Strengthened transferable expertise in compliance, borrower assessment, and client-focused communication.

Senior Underwriter

Thrive Mortgage, KindLending, Infinity Mortgage
01.2019 - 01.2023
  • Evaluated condominium approvals/denials, managed bond programs, and navigated investor guidelines.
  • Demonstrated expertise in Fannie Mae/Freddie Mac guidelines, risk management, and HELOC assessments.
  • Maintained impeccable file accuracy, ensuring data integrity and compliance with audit standards.
  • Analyzed credit, calculated income, and specialized in complex program evaluations.
  • Utilized AUS (DU/LP/GUS) for efficient decision-making.
  • Consistently achieved peer review scores at 97% or higher.

Underwriter – Scenario Desk Lead | QC Auditor

Academy Mortgage, NRL Lending
01.2015 - 01.2018
  • Led scenario desk operations and performed QC audits, ensuring loan quality and adherence to policies.
  • Attained top producer status, processing over 50 loans per month.
  • Managed overflow loans and drove a 45% success rate in addressing missed closed dates.
  • Effectively analyzed Texas 50(a)(6) loans and successfully handled portfolio loans.

Team Manager – Underwriter | Conv/Loss Mitigation

Citibank, Insurance Plus
01.2008 - 01.2015
  • Led a team of 20, providing training, fostering collaboration, and driving loan documentation analysis.
  • Spearheaded internal communications across the department, enhancing cross-functional cohesion.
  • Facilitated loan restructures, resolved complex scenarios, and strategized talent acquisition and retention.
  • Contributed to loss mitigation strategies and loan resolution processes.

Education

Associate’s Degree - Business

Everest University

Skills

  • Underwriting across loan types
  • Income and credit evaluation
  • Manual and exception desk processes
  • Training and team leadership
  • Adherence to regulations
  • Client relationship management
  • Debt negotiation and risk mitigation

Timeline

Debt Negotiator

Americor / Mission Loans
11.2023 - Current

Senior Underwriter

Thrive Mortgage, KindLending, Infinity Mortgage
01.2019 - 01.2023

Underwriter – Scenario Desk Lead | QC Auditor

Academy Mortgage, NRL Lending
01.2015 - 01.2018

Team Manager – Underwriter | Conv/Loss Mitigation

Citibank, Insurance Plus
01.2008 - 01.2015

Early Career

Associate’s Degree - Business

Everest University

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