Eric McGowan

About Eric McGowan

Experienced mortgage professional with a diverse background encompassing compliance…

Experience

1. Quality Control Underwriter

   BankSouth Mortgage

   Mar 2021 — Present

   Conduct pre-funding and post-close reviews of Conventional (FNMA, FHLMC), Government (FHA, VA, USDA), and Investor loans, ensuring compliance with applicable guidelines.• Analyze loan files, including credit, capacity, and collateral, to identify and resolve deficiencies and fraud indicators.• Perform income and asset calculations• Review appraisals for conformity with SSRs, CU, and LCA scores.• Prepare for and participate in external audits, including Fannie Mae MORA audits.• Draft and update departmental policies, procedures, and quality control project plans.• Collaborate with underwriting, operations, and closing teams to address and remediate defects.• Monitor QC project pipelines and analyze data to identify patterns of deficiencies and areas for improvement.• Work in Encompass, along with OCR utilizing both Candor and LoanBeam.

Education

• Faulkner University

  BBA, Business Administration

  1998 — 1998

Skills

• Underwriting
• Investment Properties
• Consumer Lending
• Training & Development
• Retail Banking
• Operations
• Regulatory Compliance
• Financial Services
• Employee Training
• Inside Sales
• Portfolio Management
• New Business Development
• Team Building
• Management
• Banking
• Finance
• Mortgage Services
• Sales
• Credit
• Refinance
• Mortgage Lending
• Residential Mortgages
• Mortgage Banking
• Loan Origination
• Bank Operations
• Credit Analysis
• Fha