Mike Rink
Frisco,TX
Summary
Results-driven mortgage underwriter with 15+ years of experience in evaluating and analyzing loan applications. Seeking to leverage my expertise in risk assessment, financial analysis, and regulatory compliance to contribute to a dynamic lending team.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Application Processor
Equity Residential
06.2023 - Current
- Checked loan applications and supporting documentation for completeness and accuracy.
- Updated and maintained application reports and files.
- Entered applications and followed up with appropriate personnel for missing information on incomplete loan packages.
- Supported audit projects by performing research and providing supporting documentation.
- Conducted audits of existing data entry processes.
- Managed 30 communities
Sr. Underwriter
First United Bank
09.2020 - 01.2023
- Analyzed and evaluated mortgage applications to determine borrower eligibility
- Creditworthiness, and adherence to lending guidelines
- Reviewed financial documents, credit reports, income verification, and property appraisals to make informed loan decisions
- Collaborated with loan officers and processors to ensure accurate and timely loan processing
- Conducted regular audits of loan files to ensure compliance with federal and state regulations.
- 100% Audit Review – Zero Defects on loans for previous 12 months
- Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions
Sr. Underwriter
Texas Capital Bank
03.2018 - 09.2020
- Evaluated loan applications for conventional, FHA and Jumbo mortgages
- Conducted thorough reviews of property appraisals to determine accurate property values
- Maintained up-to-date knowledge of industry guidelines, regulations and market trends
- Built strong relationships with loan officers and processors fostering a collaborative work environment
Sr. Manual Underwriter
Capital One
06.2016 - 02.2018
- Reviewed and manually underwrote mortgage loan applications to evaluate borrower creditworthiness, income, and collateral
- Analyzed financial statements, tax returns, and other documentation to determine loan eligibility and adherence to guidelines
- Demonstrated strong attention to detail in identifying potential risks and mitigating them effectively
- Provided guidance and training to junior underwriters on manual underwriting procedures and best practices.
Skills
- Strong attention to detail and organizational skills
- Excellent communication and interpersonal skills
- Ability to manage multiple tasks in a fast-paced environment
- Strong analytical and critical thinking abilities
- Guideline Knowledge
Certification
Direct Endorsement (DE)
Timeline
Application Processor
Equity Residential
06.2023 - Current
Sr. Underwriter
First United Bank
09.2020 - 01.2023
Sr. Underwriter
Texas Capital Bank
03.2018 - 09.2020
Sr. Manual Underwriter
Capital One
06.2016 - 02.2018
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