Ryan T. Goike
United Wholesale Mortgage
WATERFORD,MI
8
years of professional experience
Professional underwriter with comprehensive knowledge in risk assessment, policy development, and client relationship management. Proven track record in delivering high-quality results through collaborative efforts and adaptability to changing market conditions. Strong analytical skills, attention to detail, and strategic approach drive impactful decisions and foster team success.
Work History
Senior Underwriter
7 Years 6 Months- Trained and managed senior underwriters to ensure adherence to company and regulatory guidelines, enhancing compliance standards
- Exceeded production goals and quotas for loan approvals and funding throughout the housing boom
- Built and maintained strong relationships with lenders, banks, credit unions, and mortgage companies
- Delivered clear and timely communication to maintain high levels of customer satisfaction, fostering strong client relationships
- Demonstrated in-depth understanding of industry regulations, guidelines, and best practices
- Evaluated loan applications and identified potential risks using analytical and problem-solving skills
- Evaluated and assessed financial risks using underwriting principles, supporting sound financial decision-making and contributing to company profitability
- Managed and mentored underwriting team to drive process improvements and increase the team’s knowledge of mortgage specifications and rules
Underwriter II
8 Months- Assisted in the underwriting and closing of complex mortgages in a high-volume environment
- Developed understanding of industry regulations such as Fannie Mae, Freddie Mac, and FHA
- Assisted senior underwriters in reviewing loan applications, conducting credit review, and preparing files for closing
- Collaborated with loan processors to obtain and verify necessary documentation, ensuring completeness and accuracy of applicant information
Education
Bachelor of Science - Finance and Accounting
Skills
Proficient in Microsoft Office Suite
Bank Statement and DSCR loans
Conventional and FHA loans
Credit
Income
and Asset Verification
English (Native)
Spanish (Basic)
Salesforce
FHA Connection
DE certified - CHUMS #KQ78
Fraud Detection
Division #1 collegiate athlete
Interests
Snowboarding
Soccer and Basketball
Weightlifting
Meditation
Finance- professional and personal
Traveling- industry and activity
Reading
learning
and engaging
Nutrition
cooking
and gardening
Timeline
Senior Underwriter
United Wholesale Mortgage
03.2019 - CurrentRead More
Underwriter II
United Wholesale Mortgage
07.2018 - 03.2019Read More
Oakland University, School of Business Administration
Bachelor of Science from Finance and Accounting
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