Summary
Overview
Work History
Education
Skills
Hobbies and Interests
Timeline
Generic

Sean Bice

Clinton Township,MI

Summary

Seeking a challenging position where I can leverage my risk assessment, problem solving and solution-oriented mind to contribute effectively, grow professionally, and add value to a new and exciting team. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.

Overview

5
5
years of professional experience

Work History

Senior Mortgage Underwriter

Homesite Mortgage
12.2023 - Current
  • Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
  • Reduced loan processing time by implementing efficient underwriting practices and effectively collaborating with loan officers.
  • Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
  • Conducted thorough post-closing underwriting to identify and rectify investor defects, ensuring seamless loan submission for purchase.

Mortgage Underwriter

Rapid Mortgage
06.2023 - 11.2023
  • Review and assess submitted mortgage applications across all products
  • Improved loan approval rates by meticulously reviewing and verifying application documentation.
  • Provide feedback and answers for loan officers who have questions about guidelines and how underwriting interprets them
  • Multi-tasked while working on different files to ensure both new and closing files all meet their SLA requirements.

Senior Underwriter

CrossCountry Mortgage
03.2021 - 01.2023
  • Utilized my knowledge and skills to underwrite files from start to finish of multiple types of products including Conventional, VA, FHA and DPA/Bond loans
  • Worked with branches and closing teams to ensure any questions or last-minute request were executed efficiently to keep loan closings on time
  • Acted as a liaison for branch members for VA and FHA to escalate any questions with product and find a solution for them.
  • Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.

Senior VA Underwriter

United Wholesale Mortgage
08.2018 - 03.2021
  • Evaluated mortgage applications and financial documents to assess borrower eligibility and creditworthiness to meet VA specific guidelines
  • Ensured the loan was set up correct at the initial underwrite for junior underwriters to be able to complete the review of the loan and ensure the ability to CTC the file
  • Provided feedback to the mortgage brokers on continual successful loan submission while also being a sounding board for any questions asked.
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.

Education

Environmental Studies -

Oakland University
05.2010

Skills

  • Residential Loans
  • Organizational Skills
  • Time Management
  • Regulatory Compliance Understanding
  • Loan Underwriting Expertise
  • Strong Decision-Making
  • Attention to Detail
  • Risk Assessment
  • Critical Thinking
  • SQL Analytics

Hobbies and Interests

Passionate about personal finance management, budgeting and investing for the future

Timeline

Senior Mortgage Underwriter

Homesite Mortgage
12.2023 - Current

Mortgage Underwriter

Rapid Mortgage
06.2023 - 11.2023

Senior Underwriter

CrossCountry Mortgage
03.2021 - 01.2023

Senior VA Underwriter

United Wholesale Mortgage
08.2018 - 03.2021

Environmental Studies -

Oakland University

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Sean Bice