Joshua Harding

Background

About Joshua Harding

2015 second quarter Bright Idea Award with an idea that has generated over $4 million in new revenue to the Credit Union.* Gold Club Member for 3rd and 4th quarter in 2015 (Gold Club Award stopped after 4th quarter)* Efficiency and Effectiveness Award 3rd quarter 2016.(Start of a new award system)* VA SAR – I have reviewed over 250 VA appraisals with no major findings in the last 6 months.* Fully trained to review tax returns for self-employment income. I have reviewed and completed over 150 tax returns with no major findings in the last year.* Responsible for underwriting VA, VA IRRLS, conventional conforming, non-conforming, equity, assumption, and HAR loans up to Maintained direct loan officer contact via email and telephone during underwriting process * Duties included thorough review of packages to ensure accuracy and authenticity * Review of borrower/property qualifications and assured validation of submitted documents through automated underwriting and computerized appraisal systems.* Determine the acceptability and marketability of the real estate property to ensure there is sufficient collateral to secure the loan * Assisted in both closing and post closing issues and concerns with emphasis placed on both attention to detail and compliance with both state and federal regulations and guidelines