Summary
Overview
Work History
Education
Skills
Work Availability
Timeline
Volunteer

Stephen Tessener

Senior Mortgage Underwriter
Fort Mill,SC

Summary

Detailed Senior Mortgage Underwriter offering 20-years background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Subject matter expert working on several projects including procedure rewrites, system functionality, and testing. Worked with many different departments in compliance, government lending, technology support.

Overview

20
20
years of professional experience

Work History

Senior Mortgage Underwriter

Wells Fargo Home Mortgage
Charlotte, NC
11.2010 - 06.2023
  • Top Underwriting Quality producer consistently producing above 95% quality results, with 100% quality obtained for an entire year.
  • Subject Matter Expert (SME) for newly on-boarded underwriters.
  • Selected for multiple projects involving procedure underwrites and review.
  • Worked on team for VA cash-out policy, procedures, and loan origination system functionality.
  • Maintained compliance with company and regulatory policies.
  • Evaluated mortgage loan risk based on sound underwriting decisions.
  • Communicated with applicants and internal team members to discuss identified conditions needed for approval.
  • Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
  • High focus on VA underwriting policies.

Mortgage Underwriter

Bank of America
Charlotte, NC
06.2008 - 11.2010
  • FHA DE underwriter.
  • Part of new team hired to specifically focus on FHA underwriting.
  • Maintained compliance with company and regulatory policies.
  • Analyzed loan risk and reviewed loan conditions and requirements.
  • Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Evaluated loans against portfolio and investor guidelines.

Education

Bachelor of Arts - Management

Clemson University
Clemson, SC
08.1991

Skills

  • Complex Problem Solving
  • Analytical and Critical Thinking
  • Strong Interpersonal Communication
  • Loan Feasibility Assessment
  • Financial History Analysis
  • Corporate Financial Statements
  • Loan Origination System Assessment and Improvement
  • NMLS Registration
  • FHA DE
  • VA SAR

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Senior Mortgage Underwriter

Wells Fargo Home Mortgage
11.2010 - 06.2023

Mortgage Underwriter

Bank of America
06.2008 - 11.2010

Bachelor of Arts - Management

Clemson University

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Stephen TessenerSenior Mortgage Underwriter