Summary
Overview
Work History
Education
Certification
Timeline
Generic

Mike Singer

Temecula

Summary

Detail-oriented and results-driven Mortgage Underwriting Professional with over 15 years of progressive experience in underwriting, operations leadership, and remote work within the real estate and finance industry. Proven expertise in FHA, Conventional, and USDA loan underwriting, credit and income analysis, and regulatory compliance. Skilled in using Desktop Underwriter (DU), Loan Prospector (LP), Encompass, and other various LOS platforms. Adept at managing underwriting pipelines, leading teams, and maintaining quality and efficiency in a fully remote environment. Passionate about improving processes and delivering exceptional borrower experiences. Experienced in Wholesale, Retail, & Correspondent Lending channels.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Director of Operations

Bydand Home Loans
12.2019 - Current
  • Developed scalable systems for compliance, processing, and underwriting in both purchase and refinance workflows.
  • Supported loan processing team, maintaining high funding pull-through and loan quality standards.
  • Maintained LOS systems (Encompass Admin & Arive Admin), Filed Quarterly MCR’s, and managed relationships with state compliance officers as the compliance contact for the company.

Director, Lending Operations

Vylla
08.2017 - 12.2019
  • Managed a team of Operational loan staff to support sales team and increase turn time and pull-through of a heavily purchase based pipeline.
  • Led an underwriting scenario desk for all Vylla Real estate agents to utilize and generate leads based on responses to drive cross-sell to our lending and title team.
  • Implemented metrics-driven performance models to improve loan quality and reduce submission to funding turn times.

Sr. DE Underwriter (Remote)

Pacific Union Financial, LLC
10.2015 - 07.2017
  • Performed credit, income, asset, and collateral analysis on FHA, Conventional, and USDA loans.
  • Worked in a fully remote capacity, maintaining productivity and compliance with all HUD and investor guidelines.
  • Used DU and LOS systems daily to assess risk and approve/reject loans with DE authority.

Senior DE Underwriter – Team Lead

Carrington Mortgage Services
12.2012 - 10.2015
  • Underwrote FHA and Conventional loan files in both retail and wholesale channels.
  • Ensured underwriting decisions aligned with company, FHA, and secondary market guidelines.

Education

Bachelor's Degree - Communications

California State University, Fullerton

Certification

FHA Chums ID: GA54

Timeline

Director of Operations

Bydand Home Loans
12.2019 - Current

Director, Lending Operations

Vylla
08.2017 - 12.2019

Sr. DE Underwriter (Remote)

Pacific Union Financial, LLC
10.2015 - 07.2017

Senior DE Underwriter – Team Lead

Carrington Mortgage Services
12.2012 - 10.2015

Bachelor's Degree - Communications

California State University, Fullerton

Similar Profiles

CREATE PROFILE
Mike Singer