Alan Jacobs

About Alan Jacobs

Senior Mortgage Underwriter | Expert in Risk Management & Complex Loan AnalysisAs a seasoned Senior Mortgage Underwriter with a comprehensive background in sales and leadership, I bring a deep understanding of the challenges within loan origination and underwriting. My career has spanned multiple roles, from non-prime producing branch manager and loan officer to underwriting across a wide variety of loan products, including FNMA/FHLMC agency, government, Non-QM, Jumbo, and specialty products.Throughout my career, I’ve built a reputation for exceptional quality control and a keen ability to manage layered credit risk. Whether reviewing complex self-employment income, assessing collateral, or navigating intricate agency and non-agency guidelines, I thrive in high-stakes, detail-oriented environments.I hold key industry designations, including FHA DE (CHUMS) and VA SAR/LAPP, which reflect my expertise in government loans and specialized underwriting. My experience spans both wholesale and retail channels, and I’ve successfully underwritten a wide variety of purchase and refinance files, whether remotely or in-office.Key Skills & Expertise: Manual Underwriting: Expertise in underwriting DSCR, Bank Statements, P&L, and full documentation income analysis Complex Self-Employment Income: Advanced skills in calculating complex tax returns and financials Loan Product Diversity: Proficient in Non-QM, Conventional, Government, and Jumbo loans Risk Assessment: Proven ability to assess and manage layered credit risk Mentorship: Passionate about mentoring and training junior underwriters and processors Quality Control: Recognized for high-quality underwriting with minimal errors and reworkExperience:I’ve worked across multiple organizations, including NQM Funding, Loanstream Mortgage, American Financial Network (Truloan Mortgage), ARC Home Loans,Deephaven Mortgage and Movement Mortgage where I contributed to successful underwriting operations and improved workflows.Collaboration is at the heart of my approach—working closely with sales, operations, and leadership teams to ensure smooth loan processing and issue resolution. My goal is always to deliver sound, reasoned underwriting decisions that meet both company and client needs, while maintaining the highest standards of compliance and accuracy.

Experience

1. Senior Wholesale & Retail, Nqm Underwriter

   Nqm Funding, Llc

   Nov 2024 — Present · US

Education

• Foreign Services Institute

  U.S. Department of State -Certificate in Diplomatic Security Protocols and Procedures

• United States Army Schools & Centers

  Honorable Discharge

• Executive Security International

  Certified Protection Specialist

  1994 — 2026

• Central Piedmont Community College

  Associate of Arts and Sciences - AAS

• Central Piedmont Community College

  Education

Skills

• Budgets
• Real Estate
• Loans
• Residential Mortgages
• Risk Management
• Portfolio Management
• Va Loans
• Investment Properties
• Funding
• First Time Home Buyers
• Investments
• Fha Financing
• Consumer Lending
• Sales Management
• Refinance
• Mortgage Banking
• Fha
• Credit
• Mortgage Lending
• Banking
• Loan Origination
• Underwriting
• Credit Analysis
• Finance
• Customer Service
• Management
• Mortgage Underwriting
• Strategic Planning
• De Underwriter
• U.s. Va Loans