Ramzey Hamzey
United Wholesale Mortgage
Dearborn,MI
1
Certification
2
years of professional experience
Senior Mortgage Underwriter & Loan Processor with 2+ years of experience managing high-volume loan pipelines from initial setup and document collection to final underwriting and closing. Holds an inactive NMLS Mortgage Loan Originator license (ID: [2891386]), bringing a comprehensive, end-to-end understanding of the mortgage lifecycle and regulatory compliance. Proven expertise in evaluating complex loan files for credit risk, verifying income and assets, and collaborating seamlessly with brokers, processors, and internal teams to accelerate turnaround times and ensure adherence to Fannie Mae and Freddie Mac guidelines.
Work History
Senior Mortgage Underwriter | Loan Processor
2 Years 1 Month- End-to-End Pipeline Management: Process and thoroughly analyze 40+ mortgage loan files weekly, managing files from initial setup and document collection through underwriting review, closing, and funding.
- Income & Risk Verification: Verify complex borrower income, assets, credit history, tax returns, appraisals, title, and insurance documentation to ensure full compliance with Fannie Mae and Freddie Mac lending guidelines.
- Fraud Prevention & Quality Control: Review loan applications and supporting documentation to identify potential fraud risks, inconsistencies, and deficiencies, effectively mitigating financial and credit risk early in the lifecycle.
- Broker & Cross-Functional Collaboration: Partner daily with mortgage brokers, processors, closers, appraisal teams, and sales representatives to clear conditions, resolve discrepancies, and accelerate loan turn times.
- High-Volume Key Account Support: Provide dedicated, high-priority support for the team's key accounts, resolving complex file issues swiftly to maintain strong partner relationships and high satisfaction scores.
Education
BBA - Supply Chain Management
Skills
Mortgage Underwriting (FNMA / FHLMC Conv)
Multi-Loan Pipeline Management & File Setup
Income
Asset
& Tax Return Verification
Processor Assist & Closing Coordination
Guideline Compliance & Risk Assessment
FHA/VA IRRRL (Foundational Knowledge)
Broker & Client Communication
Certification
NMLS Mortgage Loan Originator (MLO) | ID: 2891386 (Inactive)
Timeline
Senior Mortgage Underwriter | Loan Processor
United Wholesale Mortgage
08.2024 - CurrentRead More
Eastern Michigan University
BBA from Supply Chain Management
Read More