Summary
Overview
Work History
Education
Skills
Timeline
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Terence Crutchfield

Allen,TX

Summary

Focused on mitigating company risks while meeting production and quality 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

29
29
years of professional experience

Work History

Senior Mortgage Underwriter

BMO Bank
11.2022 - 04.2024
  • Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
  • Developed strong relationships with mortgage bankers by finding alternative ways to complete loans via Non-QM guidelines to get the deal done.
  • Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
  • Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
  • Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.

Mortgage Underwriter

Best Capital Funding Wholesale
08.2020 - 11.2022
  • Collaborated with brokers to clarify applicant information and expedite the underwriting process.
  • Developed strong working relationships with external vendors for efficient management of property appraisals and title searches.
  • Improved loan approval rates by meticulously reviewing and verifying application documentation to ensure they fit Non-QM programs when traditional methods were not available.
  • Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
  • Supported the brokers by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.

Correspondent Underwriter

Texas Capital Bank
07.2015 - 08.2020
  • Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
  • Streamlined internal processes by developing and implementing standardized underwriting procedures and checklists.
  • Supported team members in their professional development by providing guidance on complex cases and sharing expertise.
  • Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.

QA Pre-Funding/Post Closer Auditor

Supreme Lending
07.2013 - 07.2015
  • Review income, asset, credit and collateral to determine the ability to repay and minimize risk of default
  • Audited loan files and confirmed that all conditions were satisfied and in compliance with the lenders
  • Provided feedback to underwriters to ensure credit requirements were met and documented correctly to ensure a smoother transfer to the investor
  • Verified loan applications and closing documents to check their accuracy and identify deficiencies.

Swimming Pool Service Technician

All Pro Pool Tech
03.2013 - 04.2014
  • Maintained cleanliness and safety of pools through regular chemical testing and adjustments.
  • Provided exceptional service to clients with weekly pool cleaning, maintenance, and water balance checks.
  • Increased client retention rate by quickly addressing concerns and providing expert solutions for their pools'' needs.
  • Delivered exceptional results with thorough preventive maintenance on pumps, filters, heaters, and other pool equipment.

Fulfillment Lead

Citibank
05.1998 - 03.2013
  • Streamlined fulfillment processes by identifying inefficiencies and implementing solutions to improve workflow.
  • Enhanced customer satisfaction by auditing and running the inbound customer calls for the correspondent lending group.
  • Coordinated with team members for efficient call management, maintaining optimal coverage and customer satisfaction.
  • Implemented quality control measures to reduce errors in customer feed back, leading shorter call times and increased customer satisfaction.

Part-Time Salesperson

JCPenney
12.2010 - 05.2012
  • Boosted sales by consistently engaging with customers and addressing their needs effectively.
  • Developed relationships with clients for increased loyalty and repeat business.
  • Provided exceptional customer service, resulting in numerous positive reviews and referrals.
  • Gained expertise in store policies and procedures, leading to increased efficiency and productivity.

Facilities Assistant

EDS
05.1995 - 09.1998
  • Enhanced facility efficiency by conducting regular inventory checks and identifying areas for improvement.
  • Maintained a safe and clean work environment, ensuring compliance with health and safety regulations.
  • Streamlined inventory management, effectively tracking equipment usage and maintaining adequate stock levels.
  • Supported overall facility operations by efficiently addressing repair requests and performing routine maintenance tasks.
  • Collaborated with cross-functional teams to optimize space utilization, leading to increased operational efficiency.

Education

Associate of Science - Business

North Lake College
Irving, TX

Skills

  • Jumbo and Super Jumbo Loans
  • DE / CHUMS
  • Underwriting Software Familiarity
  • Strong decision-making
  • Mortgage industry knowledge
  • Customer Relations
  • Automated Underwriting System (AUS)
  • Written Communication

Timeline

Senior Mortgage Underwriter

BMO Bank
11.2022 - 04.2024

Mortgage Underwriter

Best Capital Funding Wholesale
08.2020 - 11.2022

Correspondent Underwriter

Texas Capital Bank
07.2015 - 08.2020

QA Pre-Funding/Post Closer Auditor

Supreme Lending
07.2013 - 07.2015

Swimming Pool Service Technician

All Pro Pool Tech
03.2013 - 04.2014

Part-Time Salesperson

JCPenney
12.2010 - 05.2012

Fulfillment Lead

Citibank
05.1998 - 03.2013

Facilities Assistant

EDS
05.1995 - 09.1998

Associate of Science - Business

North Lake College

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Terence Crutchfield