Vincent Douglas
Newark,DE
Summary
Senior Underwriter with extensive experience in Non-QM, Jumbo, and Agency underwriting. Focused on delivering high-quality loan decisions, identifying compliance gaps, and mitigating fraud risks. Proven track record in managing complex borrower scenarios and ensuring adherence to regulatory requirements.
Overview
17
17
years of professional experience
Work History
QC Analyst Underwriter
Bakertilly
04.2025 - Current
- Validate credit, income, asset, collateral, appraisal, and title documentation for investor and regulatory compliance
- Identify fraud indicators and misrepresentation, supporting repurchase mitigation efforts
- Perform post-closing QC audits identifying underwriting defects, compliance gaps, and fraud risk
- Delivered detailed audit findings that enhanced loan quality and salability
- Managed high-volume pipeline, consistently meeting SLA and production targets to ensure timely processing
- Conducted thorough second-level reviews of audited files, ensuring compliance and accuracy.
Jumbo/Non-QM Underwriter
Limited Loans LLC
07.2023 - 04.2025
- Underwrote Non-QM, DSCR, and Jumbo loans with a signing authority up to 3 million
- Evaluated loans against portfolio and investor guidelines, analyzed loan risk, reviewed conditions and requirements, and identified potential fraudulent activity to uphold lending integrity.
- Analyzed applicant income, assets, collateral, and credit history to assess repayment capacity, ensuring informed lending decisions.
- Assessed complex borrower financials, including self-employed income, tax returns, P&L, and asset documentation
- Submitted initial files and conditions to investors as required.
Regularly checked file status with investors to ensure timely completion.
Conducted initial reviews and cleared conditions for all submissions.
Forensic Underwriter
The Oakleaf Group
01.2023 - 07.2023
- Conducted comprehensive re-underwriting and forensic reviews of loan files and servicing records, identifying misrepresentation and underwriting deficiencies
- Managed a high-volume audit and review pipeline, consistently meeting or exceeding production targets and SLA expectations
- Produced detailed audit reports and exhibits, providing actionable insights and process improvement recommendations to enhance decision-making for senior management
- Managed multiple litigation and repurchase review cases simultaneously, ensuring compliance with deadlines in high-risk environments
Jumbo Underwriter
Evolve Mortgage
09.2010 - 01.2023
- Underwrote Agency, Jumbo, and Non-QM loans in compliance with FNMA/FHLMC and investor guidelines, including DSCR, Bank Statement, P&L, 1099, WVOE, and Asset Utilization programs
- Determined loan eligibility, stipulations, and final credit approvals (Clear to Close) for complex borrower scenarios
- Reviewed and approved loan exceptions, aligning with secondary market and credit policy requirements to support underwriting integrity
- Managed high-volume pipeline, meeting SLA turn times and quality benchmarks to ensure timely loan processing
- Analyzed complex income structures, including self-employed borrowers, layered risk, and non-traditional documentation
- Partnered with loan officers, processors, and operations teams to clear conditions and facilitate efficient loan closings
- Mentored junior underwriters in process improvements and best practices.
Jumbo Underwriter/Mentor
Better Mortgage
10.2020 - 12.2021
- Underwrote 1-2 Jumbo loans daily with $2MM signing authority, delivering consistent credit decisions within SLA timelines
- Evaluated borrower risk across credit, income, assets, title, and collateral, ensuring accurate underwriting decisions and timely condition resolution
- Led training and mentoring initiatives that enhanced underwriting quality and team retention
- Contributed to high-volume production growth, minimizing reliance on third-party underwriting support
Fraud/Forensic QC Due Diligence Underwriter
RMG Global
04.2009 - 06.2010
- Conducted due diligence underwriting and fraud investigations to assess transaction legitimacy
- Identified high-risk transactions using CoreLogic, LexisNexis, and Fraud Guard.
- Assisted in investor audits and repurchase reviews to ensure compliance and accuracy
Education
Bachelor of Arts -
Stockton State College
FHA Underwriting / Appraisal Training -
Series 6 NASD License -
Series 63 Variable Annuities License -
Skills
- Underwriting Review
- Quality Assurance
- Regulatory compliance
- Credit Risk Analysis
- Fraud Detection
- Loan Stipulations
- Investor guidelines
- Wholesale & Correspondent Lending
- Third-Party Originators
- Underwriting platform expertise
- Process Improvement
- Self-employed income analysis
- Relationship Building
Timeline
QC Analyst Underwriter
Bakertilly
04.2025 - Current
Jumbo/Non-QM Underwriter
Limited Loans LLC
07.2023 - 04.2025
Forensic Underwriter
The Oakleaf Group
01.2023 - 07.2023
Jumbo Underwriter/Mentor
Better Mortgage
10.2020 - 12.2021
Jumbo Underwriter
Evolve Mortgage
09.2010 - 01.2023
Fraud/Forensic QC Due Diligence Underwriter
RMG Global
04.2009 - 06.2010
Bachelor of Arts -
Stockton State College