Sean Taber
Hazel Park,MI
Summary
Astute and methodical Mortgage Underwriter with significant background working with conventional & government lending customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
7
7
years of professional experience
Work History
Underwriter II
LoanDepot
Remote/Lake Forest, CA
08.2020 - 09.2022
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with mortgage brokers and processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, FMLA, and FNMA.
- Monitored pipelines to track and log status of loans.
- Managed over 30 customer calls per day
Prequalification Loan Specialist
Credibly
Southfield, MI
02.2019 - 08.2020
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Recommended loan approvals and denials based on customer loan application reviews.
Underwriter II
United Shore Wholesale Mortgage
Troy, MI
10.2016 - 12.2018
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Specialization in conventional loans
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Associate Talent Specialist
United Shore Wholesale Mortgage
Troy, MI
03.2016 - 10.2016
- Sourced and screened candidates for Mortgage Banker & Underwriting roles and worked with hiring managers to coordinate interviews, offers and onboarding.
- Developed and maintained strong working relationships with executives, HR team and hiring managers to foster partnerships that produced consistent results.
- Leveraged employee referrals, direct sourcing, Internet applications and recruitment agencies to source candidates for positions.
- Reviewed employment applications and background check reports to facilitate hiring process.
- Optimized sourcing networks and used proactive methods to direct source candidates.
Financial Services Professional
MassMutual
Farmington Hills, MI
11.2015 - 02.2016
- Furnished requested financial data and reports to auditors, regulators and investors and prepared analysis to support risk management.
- Performed data validation, produced financial reporting and managed projects and related tasks to reduce costs and increase revenue.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
Financial Advisor
Edward Jones Investments
Livonia, MI
11.2014 - 07.2015
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on each clients' individual needs.
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
- Assisted clients with preparing financial plans, conducting investment research and completing trades and transactions to assess and meet financial goals.
- Worked with clients to support understanding of rationale and details of financial strategies.
Education
BBA - Advertising, Marketing, Business Administration
Northwood University
Midland, MI05.2010
Associate of Arts - Business
Schoolcraft College
Livonia, MI05.2008
Skills
- Lending Software Systems (Black Knight Empower and LoanBeam)
- Government Lending (VA, FNMA, and FMLA)
- Conventional Lending
- Application Reviews
- Employment Verification
- Financial Underwriting
- Credit Applications
- Customer Relations
- Passed Series 7 and Series 66
- Health, Life, Accidental, Variable, and Annuities producer (Michigan)
- Financial Goal Planning
Timeline
Underwriter II
LoanDepot
08.2020 - 09.2022
Prequalification Loan Specialist
Credibly
02.2019 - 08.2020
Underwriter II
United Shore Wholesale Mortgage
10.2016 - 12.2018
Associate Talent Specialist
United Shore Wholesale Mortgage
03.2016 - 10.2016
Financial Services Professional
MassMutual
11.2015 - 02.2016
Financial Advisor
Edward Jones Investments
11.2014 - 07.2015
BBA - Advertising, Marketing, Business Administration
Northwood University
Associate of Arts - Business
Schoolcraft College
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