Bill Weber Lubbock TX 79424

(806) 368-0308 Home (806) 543-7515 Cell phone

Experience: Bainesbridge/Bainesaudit Director of Operations 07/13 to present

Manage day to day operations for production, reporting, staff and quality Managing a team of in-house underwriters

Manage and train mortgage underwriters for residential business.

Reviewing mortgage loans: paying particular attention to detail and investor guidelines.

Overseeing loans according to different investor requirements.

Training Employee's to measure risk and profit during the loan approval process.

Responsible for day-to-day operations of the mortgage company.

Developing all training programs for the company.

Responsible for pipeline management

Review and update policies and procedures as necessary for underwriting

Lender Live/Remote Team Lead/Underwriter 10/2011 to 07/2013 Responsible for credit review and pre purchase review of conventional purchase & refinance

loans Responsible for underwriting LP/DU and Manual Underwriting Responsible for income, credit and asset analysis Responsible for appraisal analysis for proper valuation Responsible for predicating underwriting conditions for pre/final approval, per product guidelines Responsible for mentoring new underwriters and reviewing loan test cases for lending authority Responsible for QC closed loans; QC of team for both closed (pre-purchase/initial underwrite

reviews)

Mortgage Broker Support Sr.Underwriter/Due Diligence/12/2010 to 10/2011 Responsible for income, credit and asset analysis for both active and closed loans Responsible for communicating findings and writing Repurchase or Reimburse letters Review loans for quality assurance, misrepresentation, and risk. Analyze and report on loan

quality issues. Recommend changes. Monitor corrective actions. Conduct credit analyses using standard and more advanced methods and tools of aggregated

data provided by lenders, clients of the organization, or other sources of data. Examine risk elements of proposed deal, purchase, or existing relationship with a client and

make recommendations to management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable.

Research value frauds and patterns, initiate and contribute to new tools for detecting value- related fraud. May make recommendations on pricing of products or assigning of risk levels based on analysis of credit risk of loans, transactions, or proposed contract. (Fraud Guard, Lexis/Nexis, MARI)

Lubbock National Bank/Sr. Underwriter/Operations Manager 07/06-10/10

Responsible for the initial/final underwriting of conventional loans Responsible for income, credit and asset analysis Responsible for appraisal analysis for proper valuation Responsible for reviewing final inspection reports Responsible for issuing underwriting conditions for final approval, per product guidelines

Responsible for reviewing purchase and refinance transactions Supervised Mortgage Production (processors pipelines)

Aurora Loan Services/Underwriter/12/05-07/06 Responsible for the initial underwriting of conventional purchase & refinance loans Responsible for manually underwriting A, Alt-A, flex options, conforming, 1st & 2nd

combo, jumbo loans , $1MM lending authority Responsible for income, credit and asset analysis Responsible for appraisal analysis for proper valuation Responsible for issuing underwriting stipulations for final approval, per product guidelines Responsible for final approval of conventional loans

The Clayton Group/Due Diligence Underwriter-QC/06/04-08/05

Responsible for reviewing loans with a perspective focused on independently re-verifying critical data points

Responsible for reviewing the borrower’s overall credit profile Responsible for evaluating the relevant contractual agreements to ensure each loan adheres to

the representations and warranties made by the loan seller or owner requesting insurance coverage

Responsible for credit and legal document review to determine loan file quality Responsible verifying program/product type meets audit review for salability

Bank of America/Sr. Underwriter/MI Underwriter (PMI) (Contractor)/03/03-06/04

Responsible for the initial underwriting of conventional loans, purchase and refinance Responsible for income, credit and asset analysis Responsible for appraisal analysis for proper valuation Responsible for reviewing final inspection reports Responsible for issuing underwriting stipulations for final approval, per product guidelines Responsible for reviewing purchase contracts

Conseco/Underwriting Operations Underwriting Manager/ 10/98-03/03

Responsible for managing a production team of underwriter, processors & closers for B/C loans. Responsible for reviewing credit, income & collateral risk to insure investor requirements are

met Responsible for ensuring section 32 and article 50(a)(6) of TX constitution regarding home

equity loans were followed. Responsible for reviewing 12 day letters, contract for deeds and non arms length transactions

PMI/Sr. Underwriter/ 07/97-10/98

Responsible for underwriting correspondent and wholesale products for 60 investors. Responsible for working with local brokers and correspondent lenders to ensure

underwriting quality. Responsible for conducting product training sessions with new and existing loan brokers Responsible for income, credit and asset analysis Responsible for appraisal analysis for proper valuation Responsible for reviewing final inspection reports Responsible for issuing underwriting stipulations for final approval, per product guidelines

First Union/Sr. Underwriter (Contractor)/11/95-07/97 Responsible for the initial underwriting of conventional loans Responsible for income, credit and asset analysis Responsible for appraisal analysis for proper valuation Responsible for reviewing final inspection reports Responsible for issuing underwriting stipulations for final approval, per product guidelines

GE Capital/Underwriter (Contractor)/02/95-11/95

Responsible for verification of Assets Responsible for income analysis using YTD paystubs and /or tax returns Responsible for credit analysis Responsible for verification of rent and/or mortgage payments. Responsible for ordering and reviewing single family, 1-4 family appraisals. Responsible for reviewing and correcting preliminary and final title policies. Responsible for clearing final underwriting stipulations for loan approval.

Corinthian Home Mortgage/Underwriter/11/92-12/94

Responsible for performing underwriting analysis for approved correspondent line. Responsible for assisting assigned banks to maintain loan production volume, quality &

salability. Responsible for reviewing credit docs, income, asset & appraisals for funding review. Responsible for performing VVOE’s & VOM’s to ensure fraud prevention. Responsible for establishing and maintaining good communication with Loan Officers