Patrick Fuller
Foley,AL
Summary
Experienced Mortgage Professional with 13 years in mortgage processing, underwriting, and loan origination. Proficient in credit analysis, income verification, and processing FHA, Conventional, and Jumbo loans. Consistently meets production goals while maintaining quality standards in a fast-paced environment. Deep knowledge of mortgage regulations and compliance ensures accuracy and efficiency in all operations.
Overview
19
19
years of professional experience
Work History
Wholesale TPO Mortgage Underwriter
PennyMac
10.2024 - 02.2025
- Executed thorough evaluations of mortgage loans, including FHA and Conventional types.
- Assess all submitted mortgage documentation for completeness and accuracy.
- Collaborated with clients to complete mortgage applications and related paperwork.
- Calculated diverse income streams for various agency classifications.
- Assessed loan eligibility and ensured timely approval or rejection of mortgages.
- Handled various auxiliary assignments promptly.
Wholesale Mortgage Client Advocate
Freedom Mortgage
04.2024 - 10.2024
- Maintain effective communication using phone and email.
- Proactively managed client concerns to deliver solutions.
- Furnish continuous progress details to clients during all stages of loan processing.
- Answer and respond to all inbound client calls and emails, delivering accurate answers while upholding a high level of professionalism expected in a business-to-business client support role.
- Work alongside different department authorities to troubleshoot problems and provide answers to client questions.
Retail Auto Finance Credit Analyst
TD Auto Finance
06.2023 - 04.2024
- Company Overview: Remote
- Evaluated and interpreted credit details to determine associated risk per file.
- Reviewed and made determinations on auto loan submissions from dealership partners.
- Leveraged third-party platforms for consumer data verification.
- Fulfilled production quotas by adhering to established quality standards.
- Collaborate with team members using open dialogue to determine the best course of action on difficult files.
- Collaborated with dealers to provide solutions for file restructuring.
Credit / Income underwriter (DE/CHUMS)
Freedom Mortgage
04.2020 - 09.2022
- Examined loan files to ensure pre-approval alignment with regulatory standards for conventional and FHA products.
- Calculate diverse income sources encompassing w2, self-employed, and rental.
- Analyzing and interpret AUS findings as they pertain to the loan product.
- Mentor officers to ensure excellence in loan applications.
- Conducted manual downgrades while completing preliminary FHA file assessments.
- Investigate potential red flags using Fraud Guard and Lexis Nexis.
Mortgage Loan Processor
Wells Fargo Home Mortgage
06.2019 - 12.2019
- Gathered essential paperwork for successful closure.
- Conveyed underwriting outcomes to borrowers and loan officers.
- Utilize automated approval systems (DU / LPA).
- Processed and conducted initial underwriting for conforming and jumbo conventional loans.
- Assess diverse borrower incomes including W2, self-employed, and rental.
Conventional/ Equity Mortgage Underwriter
Navy Federal Credit Union
08.2018 - 05.2019
- Company Overview: (Contract)
- Performed comprehensive assessments of home equity and diverse conventional loans.
- Evaluated risk level associated with each borrower presented to credit union.
- Calculate all income types including w2, self-employed, rental, etc.
- Supported processors in developing well-structured deals.
- Assessed loan qualifications and facilitated withdrawal operations.
- (Contract)
Mortgage Loan Processor/ Front End Underwriter/ Closer
Canyon State Credit Union
12.2017 - 07.2018
- Compiled financial data and performed pre-DU and LPA income evaluations.
- Coordinated procurement of all third-party items required for closing.
- Provided training to new loan officers.
- Review and approve title.
- Evaluate multiple income streams like W2, independent contractor compensation, and rental.
- Engaged with Title Company in balancing CD and wire amounts.
- Reviewed files to ensure compliance, making adjustments where needed.
Credit Reporting Analyst
USAA (contract)
05.2017 - 12.2017
- Company Overview: (contract)
- Utilize multiple credit bureau reporting platforms such as E-oscar to classify dispute types and conduct required investigations in compliance with FCRA regulations.
- Conducted research on various types of accounts using multiple systems.
- Ensured timely resolution and communication of litigation-related queries.
- (contract)
Mortgage Quality Assurance Analyst
JP Morgan Chase
01.2017 - 05.2017
- Company Overview: (Contract)
- Perform prior to doc quality audits on mortgage files.
- Research and review to determine if documentation meets PTC & PTF condition's.
- Validate items such as HOI a VVOE were performed in a timely manner.
- Conduct RESPA & TILA compliance audit.
- Re-Calculate all income types including w2, self-employed, rental, Etc. as needed.
- (Contract)
Conventional and VA Mortgage Loan Processor
USAA Real Estate Company
11.2015 - 10.2016
- Company Overview: -Phoenix, AZ
- Underwrite credit reports & calculate income to determine member’s credit worthiness and to make suggestion of loan products to best fit the member’s needs.
- Utilize automated approval systems (DU) to gain approval and collect conditions set forth by DU before submitting file to underwriting.
- Create positive relationships with builders and or Realtor to help facilitate a smooth closing.
- Calculate all income types including w2, self-employed, rental, etc.
- -Phoenix, AZ
Conventional & VA Mortgage Loan Officer
Navy Federal Credit Union
05.2013 - 05.2014
- Conducted preliminary underwriting on files before submission for processing and underwriting.
- Evaluate diverse income categories, including employed, self-driven, and property-generated.
- Review credit reports to suggest appropriate loan options tailored to members' financial status.
- Hosted seminars and community events to showcase NFCUS products and services.
- Managed approval processes for Non-QM, Conforming Fannie Mae, VA, Jumbo, and Jumbo VA loans.
Consumer Lending QA Coach/ Consumer Lending Underwriter
Navy Federal Credit Union
04.2006 - 05.2011
- Facilitated enhancement of communication skills through call monitoring.
- Evaluated prime and some subprime consumer loans for approval.
- Conducted group sessions focusing on the implementation of updated NFCU policies and procedures.
- Assisting in training of new hire employees.
- Facilitates calibration sessions resolution.
- Evaluated credit and income information to ensure compliance with guidelines.
- Assess various income types including rental, W2, and self-employed.
Education
High School Diploma -
Chase High School
Forest City, NC05.1999
Skills
- Documentation review
- Underwriting guidelines
- Residential mortgage lending regulations
- Application analysis
- FNMA guidelines
- Loan evaluation
- Loan origination software
- Collateral valuation
- LTV calculations
- Credit analysis
- Income verification
- Attention to detail
- Creditworthiness determination
- Decision-making
- Microsoft office
- Income evaluation
- Analytical and critical thinking
- Oral and written comprehension
- Customer service
- Credit history review
Timeline
Wholesale TPO Mortgage Underwriter
PennyMac
10.2024 - 02.2025
Wholesale Mortgage Client Advocate
Freedom Mortgage
04.2024 - 10.2024
Retail Auto Finance Credit Analyst
TD Auto Finance
06.2023 - 04.2024
Credit / Income underwriter (DE/CHUMS)
Freedom Mortgage
04.2020 - 09.2022
Mortgage Loan Processor
Wells Fargo Home Mortgage
06.2019 - 12.2019
Conventional/ Equity Mortgage Underwriter
Navy Federal Credit Union
08.2018 - 05.2019
Mortgage Loan Processor/ Front End Underwriter/ Closer
Canyon State Credit Union
12.2017 - 07.2018
Credit Reporting Analyst
USAA (contract)
05.2017 - 12.2017
Mortgage Quality Assurance Analyst
JP Morgan Chase
01.2017 - 05.2017
Conventional and VA Mortgage Loan Processor
USAA Real Estate Company
11.2015 - 10.2016
Conventional & VA Mortgage Loan Officer
Navy Federal Credit Union
05.2013 - 05.2014
Consumer Lending QA Coach/ Consumer Lending Underwriter
Navy Federal Credit Union
04.2006 - 05.2011
High School Diploma -
Chase High School
Similar Profiles
Joshua MascorroJoshua Mascorro
Sales Contact Specialist at PennyMacSales Contact Specialist at PennyMac
Shirisha DugyalaShirisha Dugyala
UI DEVELOPER at PennyMacUI DEVELOPER at PennyMac
Denna HandlinDenna Handlin
Customer Experience Manager at PennyMacCustomer Experience Manager at PennyMac
Cara O'NeilCara O'Neil
Office Manager at Advanced Dental ComfortOffice Manager at Advanced Dental Comfort
Sheena SlaterSheena Slater
Degree Auditor II at Columbia Southern UniversityDegree Auditor II at Columbia Southern University