Jim Mitchell

About Jim Mitchell

With three decades of rich experience in the mortgage industry, I bring a wealth of…

Experience

1. Sr Fha De Va Lapp Underwriter

   First Commonwealth Bank

   May 2025 — Present · Milford, OH, US

   Evaluate and render decisions on all types of loan applications, including FHA, VA, FNMA, FHLMC, USDA, and Portfolio Lending products.Analyze and clear complex loan documentation, including but not limited to Personal and Business tax returns (1040s, 1120s, 1065s, K-1 statements), FHA/VA appraisals, Condo, Co-Op, and PUD documentation.Identify and condition for missing or insufficient documentation, ensuring compliance with agency, investor, mortgage insurance, and portfolio guidelines.Prepare and present portfolio exception requests to senior management, offering detailed analysis on the merits of each request, file strength, and guideline variances.

Education

• ST. JOHNS UNIVERSITY

  Associates Degree

  1988 — 1991

Skills

• Banking
• Home Equity Lines of Credit
• Risk Management
• Portfolio Management
• Certified Mortgage Planning
• Loans
• Financial Structuring
• Program Management
• Mortgage Underwriting
• 203k
• Customer Service
• Fnma
• Residential Mortgages
• Sales
• Financial Analysis
• Usda
• Construction Loans
• Sellers
• Investment Properties
• Investors
• Funding
• Loan Origination
• Entrepreneurship
• Real Estate
• Insurance
• Analysis
• Refinance
• Fha
• Marketing
• Documentation
• Home Equity Loans
• Underwriting
• Strategy
• First Time Home Buyers
• Government Loans
• Finance
• Va Loans
• Reo
• Mortgage Lending
• Foreclosures