David James Herro has over 20 years of experience in mortgage underwriting, quality control auditing, and management. He has worked for several large financial institutions in underwriting roles focused on government-backed and conforming loans. He is proficient in various loan origination systems and understands FHA, VA, USDA, FNMA, and FHLMC guidelines. Currently he performs remote underwriting and quality reviews for a staffing company.

1. DAVID JAMES HERRO
2807 Allen St. #778 dsuper11@yahoo.com
Dallas, Texas 75204 (210) 473-3222
SENIOR UNDERWRITER / QUALITY CONTROL / UNDERWRITER SUPERVISOR
GSE Conforming ~~ Government FHA, VA, HARP ~~ Post Closing Audit
A quality-minded underwriter and QA/QC auditor that can lead or produce in a high volume atmosphere with the
proven capabilities to understand key strategies and objectives in order to prioritize time management and establish
effective goal setting.
KEY SKILLS
Lending Authority System Training Skills Quality Focused
Analytical Problem Solving Skills High Volume Production Recruiting/Hiring
Employee Development Training Business Communications Leadership Skills
SUMMARY OF QUALIFICATIONS
• Utilize knowledge of investor and government guidelines to develop and supervise a team of
underwriters with a primary focus on high volume clean file production.
• Kept underwriters educated on systems navigation and work flow processes by creating job aids
and follow up training classes to help meet and exceed production quotas.
• Supervise processes to underwrite, modify, short sale or deed-in-lieu subject properties.
• Always demonstrated and maintained the highest level of personal and corporate integrity.
PROFESSIONAL HIGHLIGHTS
Peoples Mortgage Company / Sunway Staffing Solutions - Dallas, Tx., 06/15 - Current
Remote Underwriter / Quality Review
• Perform remote underwriting on conforming refinances and VA Streamlines.
• I am also assigned as a quality review auditor when the current QA team are understaffed and loan
reviews are all that is needed for the loan to close. A loan quality audit review is also performed when the
loan is denied or needs a manual underwrite.
Wells Fargo – Dallas, Texas 02/13 – 02/15
3C Senior Underwriter / Conforming / FHA / VA / HARP Underwriter
• As a 3C underwriter I initially reviewed conforming loans in a high volume production facility. I soon
started reviewing HARP refinances as well as Government FHA,VA, which included purchases, regular
refinances and streamlines.
• I performed reviews as a senior underwriter and my assigned files contained complicated income scenarios
as well as the evaluation and layering of risks based on income, asset, collateral, credit capacity and any
supporting documentation that was required by DU / LP or where a manual underwrite was required.
Bank of America / Randstad Staffing – Dallas, Texas 07/11 – 02/13
QA / QC / RESPA / HMDA / Bank Regulatory Compliance and Remediation Underwriting Loan Review
for Consumer Mortgage Lending Risk Mgt.
• Performed post-close audit reviews in order to spot violations of the GSE regulatory compliance guidelines
prior to and after the implementation of the Fair Lending Act.
• Performed remediation of files that had been improperly underwritten and are being sent back through the
system for another determination that may include re-underwriting the file based on new guideline
tolerances.
• Prepared reports and supporting excel spreadsheets showing error trends for management review.

2. David Herro
210-473-3222
J.P. Morgan Chase / SVS – Ft. Worth, Texas 04/09 – 07/11
Mortgage Underwriter / Mortgage Auditor / Risk Management / Supervisor
• Supervised a team of post QC audit underwriters in an effort to spot error trends with regard to income
calculations and regulatory compliance and provide feedback to the lines of business to implement income
guideline training.
• Provided a comprehensive and in depth understanding of FHLMC, FNMA, FHA, USDA, VA mortgage
guidelines and trained new employees for the taskof secondary market risk audit review.
• Reviewed files for fraud detection that included Anti Money Laundering, The Bank Secrecy Act and
violations of the Patriot Act.
• Conducted special studies to analyze complex financial actions then prepare and distribute
recommendations to sr. management. Set up special review team for the OCC consent orders.
USAA / Strategic Staffing / Today’s Temporary – San Antonio, Texas 01/07 – 04/09
Senior Processor / VA Underwriter ~ Government Loan Production
• Senior Processor that was promoted to VA underwriting production. Worked on a team of up to 15
underwriters responsible for reviewing files for SAR and Credit Capacity. Created job aids for educating
and increasing clean file production.
• Able to resolve errors by communicating with processors on simple mistakes that can be avoided.
• Specialized in Conventional VA, FHA, USDA purchases, refinances and streamlines. Trained newly
onboarded processors on best practices for clean file production.
Texas Mortgage Services – Corpus Christi, Texas 05/02 – 01/07
Underwriter / Processor / Loan Officer / Office Manager
• Trained and supervised a staff of loan officers, processors and underwriters. Created all training material
and set production quotas. Supervised the day to day branch operations. Created and updated all loan
production tracking systems.
• Trained underwriters and processors to help avoid the most common mistakes that caused files to be sent
back from quality control audit.
EDUCATION
University of Texas, History, 1992; Government, 1992