Phillip Wightman
9853 King Rd. Davisburg
Summary
Results-driven Mortgage Underwriter with a proven track record at AD Mortgage and Flagstar Bank, excelling in application analysis and customer service. Expertise in residential mortgage lending regulations has led to enhanced loan processing efficiency and compliance. A collaborative approach, combined with strong problem-solving skills, has resulted in improved customer credit solutions and robust underwriting strategies, significantly boosting approval rates. Committed to delivering exceptional service while navigating complex financial landscapes.
Overview
23
23
years of professional experience
Work History
Mortgage Underwriter III
AD Mortgage
899 W Cypress Creek Rd Fort Lauderdale Fl 33309
04.2025 - Current
- Evaluated borrower financial documents to determine income stability and confirm asset availability.
- Reviewed and updated underwriting guidelines to align with changing regulations and best practices.
- Collaborated with loan officers to clarify underwriting decisions and enhance customer communication.
- Guided clients through mortgage product terms and processes to empower informed financial choices.
- Evaluated and determined loan approvals or denials in accordance with established criteria and underwriting guidelines.
- Assessed application materials to identify potential fraud risks, safeguarding lenders and homebuyers from financial losses.
Mortgage Underwriter III
Flagstar Bank
5151 Corporate Drive Troy, Michigan 48098
03.2003 - 04.2025
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Supported professional growth by mentoring new team members and fostering teamwork.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Delivered transparent and straightforward communication regarding underwriting decisions to enhance customer satisfaction.
Education
Bachelor of Business Administration - Finance
Western Michigan University
Kalamazoo, MI04.2001
Skills
- Collaborative teamwork
- Effective problem resolution
- Understanding residential mortgage regulations
- Underwriting guidelines
- Clear communication skills
- Documentation review
- Customer service-focused
- Credit analysis
Timeline
Mortgage Underwriter III
AD Mortgage
04.2025 - Current
Mortgage Underwriter III
Flagstar Bank
03.2003 - 04.2025
Bachelor of Business Administration - Finance
Western Michigan University