Phillip Wells
Norman,OK
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled Mortgage Underwriter. Proven expertise in identifying unacceptable risk and preventing fraud. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each loan file. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
22
22
years of professional experience
3
3
Certifications
Work History
Senior Mortgage Loan Underwriter
Great Plains National Bank
05.2021 - Current
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Senior Mortgage Loan Underwriter
Bank Of Oklahoma
05.2016 - 04.2021
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Trained junior team members in underwriting procedures and loan quality grading standards.
Mortgage Loan Underwriter
NBC Oklahoma
09.2015 - 05.2016
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Mortgage Loan Underwriter
First Commercial Bank
01.2014 - 09.2015
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Mortgage Loan Auditor
Adfitech
07.2012 - 12.2013
- Post closing audit review of mortgage loans for adherence to delivered Lender Commitments Master Policy requirements, and agency guidelines (VA, FHA, FNMA, etc).
- Completed audit papers by thoroughly documenting audit tests and findings.
- Assisted with review of other Auditor's work for quality assurance.
Collections Associate
MidFirst Bank
02.2012 - 06.2012
- Entered client details and notes into system for interdepartmental access and review.
- Processed debtor payments and updated accounts to reflect new balance.
- Worked with customer to create debt repayment plan based on current financial condition.
- Listened to customers and negotiated solutions that met creditor and debtor needs.
Loan Processor
MidFirst Bank
02.2007 - 02.2012
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
Loan Originator
MidFirst Bank
02.2001 - 02.2007
- Interviewed applicants to assess loan requirements before suggesting offers.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Collected information from banks, institutions and employers to assess applicant eligibility.
Education
High School Diploma -
Carl Albert High School
Oklahoma City, OK05.1996
Skills
- Extensive Knowledge of FNMA, FHA, VA, RD, and Section 184 Underwriting Guidelines
- Property Evaluation
- Tax Return Cash Flow Analysis
- Automated Underwriting Systems
- Excellent Computing, Keyboarding, and Basic Technical Skills to Include Knowledge of MS Word and Excel
- Ability to Meet Deadlines and Restructure Workflow for Maximum Efficiency
- Excellent Customer Service and Communication Skills
Certification
- CHUMS Certification for FHA
- SAR Certification for VA
- Approved DG Underwriter for USDA RD
Timeline
Senior Mortgage Loan Underwriter
Great Plains National Bank
05.2021 - Current
Senior Mortgage Loan Underwriter
Bank Of Oklahoma
05.2016 - 04.2021
Mortgage Loan Underwriter
NBC Oklahoma
09.2015 - 05.2016
Mortgage Loan Underwriter
First Commercial Bank
01.2014 - 09.2015
Mortgage Loan Auditor
Adfitech
07.2012 - 12.2013
Collections Associate
MidFirst Bank
02.2012 - 06.2012
Loan Processor
MidFirst Bank
02.2007 - 02.2012
Loan Originator
MidFirst Bank
02.2001 - 02.2007
High School Diploma -
Carl Albert High School
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