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Provident Funding - Underwriting Branch Manager Resume Example

Caleb Baker
XXXX XXXXXXXXX XXXXX , Palm Harbor , FL 34685
Home: XXXXXXXXXXXX - XXXXXXXXXXXXXXXXXXXXXXXXXX
Professional Summary
I would like to obtain a challenging leadership position in an organization seeking residential mortgage underwriting expertise with an Agency focus to utilize my 14 years of professional credit experience. I have demonstrated versatility by functioning as an underwriting manager, pipeline manager, relationship manager, escalation manager, jumbo underwriter, escalation underwriter and production underwriter. This includes exposure to correspondent, retail and wholesale lending for conforming, non-conforming, subprime and equity products.
Skills

-FNMA and FHLMC expertise -Credit interpretation with client focus

-Proven management ability -Extensive facets of underwriting management

-Managing volume and quality standards -Versatility within mortgage underwriting operations

Experience
05/2012 to Present
Underwriting Branch Manager, Correspondent Lending Provident Funding - Tampa, FL
-Leadership role for launch of Correspondent Lending Division with funding progression of $20M/month at inception to $460M/month in first annual cycle.
-Responsible for internal credit escalation decisions to provide reviewer clarification regarding complex loan issues to determine purchase viability of individual loan submissions.  Authorized with second signature authority for all Conventional loans up to $1,202,905.
-Primary contact for lender outreach to maximize business volume, solicit new and increased business and discuss loan specific escalated issues including exception requests, credit policy clarification and interpretation and denial communication.
-Managed team of residential mortgage underwriters of varied experience levels including written performance reviews and training. -Quality reviews, coaching and conflict resolution of staff in production environment.
-Conventional loan exception authority with consideration to published --Agency guideline adherence and repurchase exposure based on individual credit quality.
-Responsible for handling direct correspondence with FNMA and FHLMC for all branch repurchase demands.  Achieved 100% success rate for all Agency repurchase appeals. 
-Leadership role in client staff conference calls to discuss in detail areas of concern presented by submitting lenders.  Including appraisal issues, organizational overlays, Agency interpretation and alignment of operational models.
02/2005 to 05/2012
Assistant Underwriting Manager/Senior Underwriter Bank of America (Acquired Countrywide) - Tampa, FL
-Underwriting complex conventional loans with signing authority set at $1,000,000 in production environment.  Granted internally designated highest levels of underwriting authority pertaining to risk level (U/W Level III), testing level (SASE Level 5) and signing authority ($1,000,000).
-Personally responsible for internally designated higher risk loan transactions including Jumbo products, Non-Conforming transactions, Manual underwrites, FNMA Expanded Approvals, etc.
Conducting second signature reviews based on complexity and dollar amount of residential loan submissions (i.e. FNMA, FHLMC, Portfolio and Subprime). 
-Participated in project groups to identify and address potential issues for fraud for third party originated loan submissions limiting loss exposure.
-Mentoring and training less experienced and versatile underwriters with higher risk transactions including but not limited to business and personal tax returns.
-Extensive interaction with referring lenders to articulate additional requirements to fund loan submissions and advise of declines. Effective presentation of credit policy to arrive at mutually satisfactory resolutions and maintain ongoing client referral relationships.
Education
12/1988
Bachelor of Business Arts (BBA) : Marketing
Baylor University - Waco, TX
English Minor, 4 years soccer team
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Resume Details

This is a real resume for a Underwriting Branch Manager in Palm Harbor, Florida with experience working for such companies as Provident Funding, Bank Of America Acquired Countrywide. This is one of the hundreds of Underwriting Branch Manager resumes available on our site for free. Use these resumes as templates to get help creating the best Underwriting Branch Manager resume.

Previous Companies:

  • Provident Funding
  • Bank of America Acquired Countrywide

Previous Job Positions:

  • Underwriting Branch Manager
  • Correspondent Lending
  • Assistant Underwriting Manager
  • Senior Underwriter

Schools:

  • Baylor University

Level of Education:

  • Bachelor of Business Arts (BBA)

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