Zachary Mullenix
Cuyahoga Falls,OH
Summary
Senior Mortgage Underwriter with over 10 years experience reviewing Credit, Capacity, and Collateral to Company and Agency guidelines. Proven history of reviewing extensive applications and identifying unacceptable risk and fraud prevention. Maintains consistent pipelines and quick turnaround times with a high degree of accuracy. Detail-oriented team player with strong organizational skills, excellent time management and problem solving skills.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Underwriter
Fairway Independent Mortgage Corporation
01.2016 - 08.2022
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as HUD, USDA, FHLMC, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Approved, denied, or restructured loans based on established criteria and underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Senior Mortgage Loan Underwriter
FirstMerit Mortgage Corporation
01.2013 - 01.2016
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assessed loan portfolios for compliance with underwriting policies.
- Monitored pipelines to track and log status of loans.
- Researched and updated industry knowledge on changing legislation and regulations.
- Approved loan applications based on customer creditworthiness, capacity, collateral and provided detailed financial advice.
Education
Studied Finance And Attended School of Business
Kent State University
Kent, OHSkills
- Encompass and LOS Experience (10 years)
- Extensive USDA, FHA, VA, FNMA and FHLMC Guideline Knowledge
- Familiarity with Desktop Underwriter, Loan Product Advisor, and GUS Automated Underwriting Systems
- Manufactured Housing, Homestyle Renovation, and Agency Pilot experience
- Review Appraisal Reports
- Decision Residential Loans
- Ability to Calculate Debt-To-Income Ratios
- Reading Comprehension
Timeline
Mortgage Loan Underwriter
Fairway Independent Mortgage Corporation
01.2016 - 08.2022
Senior Mortgage Loan Underwriter
FirstMerit Mortgage Corporation
01.2013 - 01.2016
Studied Finance And Attended School of Business
Kent State University
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