Summary
Overview
Work History
Education
Skills
Gapexplanation
Summary - Skillsexperience
Timeline
Generic

William Husar

Island Lake,Illinois

Summary

Perform thorough review of all loan documentation to ensure accuracy, data integrity, and fraud prevention. Superb analytical and problem solving skills, attention to detail and discovering creative solutions Knowledgeable of guidelines for both government and private investors; Conforming and Non-QM products Loss Mitigation experience, including loan modifications, short sales, DIL, and repay plans Processed applications, including ordering docs from vendors and communicating file status to borrower, loan officer, underwriter, and closer Customer Service Call Center experience provides wide base of mortgage background Review credit report, title policy, appraisal and flood insurance Managed pipeline of files while effectively maintaining stringent turn-time guidelines. Experienced with self-employment & corporate income analysis Ability to communicate effectively with borrowers, loan officers, processors, underwriters, outside vendors & upper management, as needed Keep abreast of changes in policies, standards and regulations Understand and apply local, state, and federal regulations and ensure compliance

Professional with deep expertise in loss mitigation strategies and underwriting. Adept at evaluating risk, analyzing financial data, and implementing effective solutions to mitigate losses. Strong focus on team collaboration and delivering results, adapting seamlessly to evolving challenges. Reliable, flexible, and skilled in decision-making, negotiation, and communication.

Overview

25
25
years of professional experience

Work History

Loss Mitigation Underwriter

ServBank
10.2023 - 11.2024
  • Evaluate and disposition applications for loss mitigation assistance in accordance with company and investor guidelines
  • Worked on files for all government investors (FHA, VA and USDA)
  • Responsible for income calculation and credit review

Loss Mitigation Specialist

Dovenmuehle
12.2021 - 10.2023
  • Process and underwrite files for loss mitigation assistance for residential mortgages in order to provide satisfactory resolution for both investors and borrowers
  • Worked primarily on FHA, VA and USDA government loans

Transaction Coordinator Team Lead

InterFirst Mortgage
08.2020 - 01.2022
  • Interface between sales team and operations team to ensure exceptional customer experience throughout all stages of application process
  • Execute strategy and objectives of senior sales staff (VP & Regional Managers) for optimal turn time and pipeline management
  • Supervise and train a small team of subordinates
  • Handle and resolve complex issues by communicating with loan officers, processors and underwriters
  • Provide pipeline reports and status updates to sales managers
  • Support and assist team manager as needed

Originator

PHH Mortgage
12.2012 - 09.2013
  • Generated new residential mortgage applications and coordinated with processing and underwriting to successfully close the loan
  • Communicated directly with applicants at every step of the loan process
  • Licensed by NMLS and in 23 states (not currently active)

Loss Mitigation Underwriter

Heart Financial Services
05.2010 - 07.2010
  • Evaluated applications for the Home Affordable Modification Program
  • Responsible for maintaining knowledge of changes in program and company policy
  • Calculated income; reviewed credit; verified occupancy; determined if any documents in file were missing or deficient
  • Contacted borrower to request additional documentation; temporary position

Mortgage Underwriter

Countrywide Home Loans
08.2004 - 01.2008
  • Company Overview: Rolling Meadows, IL
  • Analyze and review residential mortgage loan applications for credit, collateral, and capacity prior to issuing loan decision
  • Communicate loan decision to loan officer/support staff, requesting addition information and/or suggesting alternatives when needed
  • Familiar with both GSE and private investor guidelines conforming and non-conforming products, including extensive background in subprime refi, equity & origination transactions
  • Responsible for income calculation, appraisal review, title review, and purchase contract review
  • Rolling Meadows, IL

Loan Processor

Washington Mutual
07.2003 - 07.2004
  • Company Overview: Vernon Hills, IL
  • Coordinate b/t borrower, loan officer, underwriting and various vendors to ensure quick and successful close for home equity loans
  • Request information from borrower as required
  • Order title, appraisal, insurance, etc
  • Calculate income, interest rate, and loan to value
  • Communicate underwriting decision to borrower
  • Vernon Hills, IL

Loss Mitigation

Washington Mutual
09.2001 - 07.2003
  • Company Overview: Vernon Hills, IL
  • Negotiate modifications & repayment plans for delinquent mortgage accounts
  • Qualify borrowers for workout plans based on financial information and workout guidelines
  • Familiar w/ FHA & VA lending guidelines, bankruptcy and foreclosure laws
  • Minimize losses for company by evaluating ability of borrower to repay
  • Vernon Hills, IL

Inbound Call Center Rep

Washington Mutual
07.2000 - 09.2001
  • Company Overview: Vernon Hills, IL
  • Customer Service (7/00 - 8/01) - high volume in-bound call center for mortgage company; Expectation of 50-80 calls per day
  • Answer customer inquiries regarding payments, escrow, collections, etc
  • Also performed QA evaluations; coached/trained new employees from 3/01-9/01
  • Vernon Hills, IL

Inside Sales Account Manager

Block & Co
10.1999 - 07.2000
  • Company Overview: Wheeling, IL
  • Managed assigned territory in business to business telephone sales environment
  • Commissioned sales; Responsible for sales goals and growth within territory, prospecting new clients, expanding existing base
  • Wheeling, IL

Education

Bachelor's Degree - Business Communications and Organizational Leadership

Trinity International University
Deerfield, IL
05.2005

Skills

  • Underwriting guidelines
  • Foreclosure prevention
  • Loan modification
  • Credit evaluation
  • Mortgage servicing
  • Analytical thinking
  • Risk assessments
  • Credit analysis
  • Excellent communication

Gapexplanation

  • 01/01/08, 07/01/08, Actively pursued employment, including several interviews.
  • 09/01/08, 07/01/10, Primary care provider for child; pursued selected employment opportunities.
  • 09/01/13, 08/01/20, Did not pursue employment while dedicated to family care.

Summary - Skillsexperience

  • Perform thorough review of all loan documentation to ensure accuracy, data integrity, and fraud prevention.
  • Licensed by NMLS as a loan originator and received license to operate in 23 states (inactive).
  • Superb analytical and problem solving skills, attention to detail and discovering creative solutions.
  • Knowledgeable of guidelines for both government and private investors; Conforming and Non-QM products.
  • Loss Mitigation experience, including loan modifications, short sales, DIL, and repay plans.
  • Processed applications, including ordering docs from vendors and communicating file status to borrower, loan officer, underwriter, and closer.
  • Customer Service Call Center experience provides wide base of mortgage background.
  • Review credit report, title policy, appraisal and flood insurance.
  • Managed pipeline of files while effectively maintaining stringent turn-time guidelines.
  • Experienced with self-employment & corporate income analysis.
  • Ability to communicate effectively with borrowers, loan officers, processors, underwriters, outside vendors & upper management, as needed.
  • Keep abreast of changes in policies, standards and regulations.
  • Understand and apply local, state, and federal regulations and ensure compliance.

Timeline

Loss Mitigation Underwriter

ServBank
10.2023 - 11.2024

Loss Mitigation Specialist

Dovenmuehle
12.2021 - 10.2023

Transaction Coordinator Team Lead

InterFirst Mortgage
08.2020 - 01.2022

Originator

PHH Mortgage
12.2012 - 09.2013

Loss Mitigation Underwriter

Heart Financial Services
05.2010 - 07.2010

Mortgage Underwriter

Countrywide Home Loans
08.2004 - 01.2008

Loan Processor

Washington Mutual
07.2003 - 07.2004

Loss Mitigation

Washington Mutual
09.2001 - 07.2003

Inbound Call Center Rep

Washington Mutual
07.2000 - 09.2001

Inside Sales Account Manager

Block & Co
10.1999 - 07.2000

Bachelor's Degree - Business Communications and Organizational Leadership

Trinity International University
William Husar