Odai F. Hattar
West Bloomfield,MI
Overview
6
6
years of professional experience
Work History
QA Auditor/Underwriter II
Caliber Home Loans
Lewisville, TX
05.2021 - 02.2022
- Fully remote position switching between auditing and underwriting, whilst adhering to conventional loans within all 50 states with an emphasis in the Boston office
- Assisted with auditing prefunding and post funding loans, issuing errors and areas of improvement on common mistakes
- Worked all property types including CO-Ops and manufactured homes from initial underwrite to closing of loan
- Reviewed and experienced NON-QM loans with manual underwriting including manufactured homes
- Reviewed entirety of loans from initial UW to closing including appraisal reviews.
Team Lead, Senior Underwriter
United Wholesale Mortgage
Pontiac, MI
01.2020 - 05.2021
- Remained in production while managing a team of 10-15 underwriters, assisting with questions regarding conditions, documentation, products, policy and Guidelines
- Managed the daily workflow, assisting with production as needed while coaching underwriters on the team toward improved service, efficiency and loan quality
- Used as an escalation source for clientele and underwriters alike
- Produced two initial UWs per day while assisting team members with escalations regarding income, credit, appraisal, title etc…
- Reviewed all conventional loan products as well as jumbo esqe “NWHB” loans and manufactured homes.
Senior Mortgage Underwriter
United Wholesale Mortgage
Pontiac, MI
05.2017 - 05.2021
- Duties include review and final decision for applications of mortgage credit
- Analyzed documentation and loan profile for accuracy and compliance
- Completed initial Underwrite for conventional mortgage loans (ensured submitted information was correctly entered in Loan
- Origination System, analyzed and calculated income, added any necessary loan conditions and communicated requirements with client)
- Distinctions during employment include:
- Received merit increase based on combination of high production and excellent loan quality
- Increase was awarded to less than 5% of Underwriters out of roughly 1500 employed with the company
- Designated underwriter for one of the company’s Top 5 brokerage accounts
- Position was determined based on ability to handle loan volume and build excellent client relationships
- Ranked consistently among the top 20 out of roughly 1500 senior underwriters, as well ranked consistently as #1 of my division of nearly 80 Senior Underwriters
- Metrics were based off Loan Quality, different aspects of client service and Production
- Consistently used as a resource for leadership while also developing and mentoring others.
Education
Bachelor of Science - Economics, International Relations
Grand Valley State University
Skills
Underwrote pipelines of numerous different company products and property types includingSFR, PUD, Condos, 2-4 unit, Manufactured Homes, CO-OPs and new construction propertiesKnowledge of Jumbo products, No Income Investment Loans, Conventional, Home Ready, HomePossible and NON-QMHigh Knowledge of Self-Employed Schedule C, 1065, 1120s, 1120 and 8825 rentalExperience in every type income used for Conventional Loan purposesExperienced inEPIC, OpenClose, H2O and Encompass LOS systemsKnowledge and familiarity of Tableau, SAS and Excel
Timeline
QA Auditor/Underwriter II
Caliber Home Loans
05.2021 - 02.2022
Team Lead, Senior Underwriter
United Wholesale Mortgage
01.2020 - 05.2021
Senior Mortgage Underwriter
United Wholesale Mortgage
05.2017 - 05.2021
Bachelor of Science - Economics, International Relations
Grand Valley State University