Darnell Parham
S Prince George
Summary
Results-driven Senior Underwriter with extensive experience at the Department of Housing and Urban Development, excelling in risk evaluations and credit analysis. Proven track record of enhancing underwriting accuracy and compliance, while fostering strong relationships with stakeholders. Skilled in identifying and resolving issues, ensuring compliance with agency standards, policies and procedures. Known for problem-solving abilities, and effective communication skills.
Overview
17
17
years of professional experience
Work History
Senior Underwriter, Quality Control Analyst
Department of Housing and Urban Development
06.2015 - Current
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Conducted audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
Mortgage Credit Underwriter Multifamily Production
Department of Housing and Urban Development
02.2012 - 05.2015
- Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
- Ensured compliance with lending regulations and guidelines.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
- Participated in client meetings to discuss financial analysis.
Project Manager Multifamily Management
Department of Housing and Urban Development
06.2008 - 02.2012
- Successfully managed multiple projects simultaneously by prioritizing tasks according to urgency, resource availability, and alignment with organizational goals.
- Delivered exceptional customer satisfaction by proactively addressing client concerns and meeting or exceeding expectations throughout the engagement process.
- Developed strong relationships with stakeholders through regular communication updates, fostering trust and confidence in the team''s ability to deliver results.
Education
Business Administration
Virginia State University
Petersburg, VASkills
- Analyzing data
- Risk evaluations
- Credit analysis
- Underwriting guidelines
- Quality assurance
- Risk assessments
- Policy interpretation
- FHA, VA, Freddie Mac & Fannie Mae
- Underwriting calculations
- Property appraisal
- Teamwork and collaboration
- Problem-solving
Timeline
Senior Underwriter, Quality Control Analyst
Department of Housing and Urban Development
06.2015 - Current
Mortgage Credit Underwriter Multifamily Production
Department of Housing and Urban Development
02.2012 - 05.2015
Project Manager Multifamily Management
Department of Housing and Urban Development
06.2008 - 02.2012
Business Administration
Virginia State University
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