Samuel (Sam) Howard

• Review request from Lenders/Servicer to reinstate canceled and polices canceled in error.
• Worked closely with Lenders/Servicers, Sales Executives and Underwriters to resolve issues with the reinstatements.
• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
• Made approval and denial recommendations by determining accurate risk levels.
• Examined credit reports, financial statements and tax returns to determine repayment capability.
• Evaluated loan applications for affordability and conformance with underwriting guidelines.
• Determined and documented loan conditions and communicated requirements and decisions.
• Evaluated applications to determine insurance coverage and appropriate risk classifications.

Prior Positions Time Line;

• 8/2014 - 4/2016 Internal Claims Council Final Decision
• 4/2011 - 7/2014 Double Blind Underwriter Review
• 6/2014 - 3/2012 Underwriter
• 2/2012 - 5/2014 Forensic Loan Qualification Final Review
• 9/2009 - 1-2012 Forensic Loan Qualification Specialist