Eric Snow

Mortgage Loan Underwriter @South Carolina Federal Credit Union

Charleston, SC, US

Underwrote $70M in mortgage loans in 2024, delivering high-volume output while maintaining 100% compliance with investor and regulatory guidelines and achieving zero first-year defaults.• Evaluate complex borrower financial statements, tax returns, and cash flow to determine creditworthiness.• Assess collateral documentation to ensure proper lien position and security interest, in alignment with UCC and internal lending guidelines.• Review personal credit reports to identify risk indicators and recommend approval, modification, or decline of credit requests.• Prepare formal written underwriting decisions and recommendations for high-value loan files, consistent with company policy and compliance regulations.• Monitor existing loan portfolios for payment trends, risk changes, and restructuring opportunities to protect portfolio health.• Recommend millions of dollars in loans for CU loan portfolio (non-QM, jumbos, A/I, RWC, fixed 2nds, HELOCs, etc.) annually; individual loans exceeding 1.5 million would require recommendation to and signatures by CU executives.• Collaborate with sales and relationship managers to address borrower needs while maintaining risk discipline.• Train new and current team members on underwriting procedures, file documentation standards, and regulatory compliance requirements.

LIM College

Master of Professional Studies, Fashion Merchandising

Green Mountain College

Bachelor of Science (BS), Business Management