Andrew Makuvek
Bethlehem
Summary
Dynamic insurance sales and mortgage underwriting professional with a proven track record at Ideal Concepts. Expert in risk assessment and fraud detection, demonstrating exceptional attention to detail and communication skills. Consistently exceeded sales targets while maintaining high standards of compliance and client satisfaction. Adept at developing tailored solutions to meet diverse client needs.
Overview
16
16
years of professional experience
Work History
Insurance Sales
Ideal Concepts
06.2023 - Current
- Connected with live leads using proprietary sales software to drive company sales.
- Developed comprehensive policies through a consultative, needs-based sales approach.
- Generated electronic rate quotes to support client decision-making.
- Serviced active client base to identify new sales opportunities.
- Demonstrated excellent time management and superior verbal and written communication skills.
- Consistently exceeded customer satisfaction goals while upholding professional work ethics.
- Maintained high standards of performance without direct supervision.
Mortgage Underwriter
Prosperity Home Mortgage
10.2019 - 03.2023
- Underwrote Conventional and FHA loans per investor guidelines.
- Recommended alternative loan structuring and financing solutions, ensuring accuracy in loan origination system.
- Utilized Fannie Mae Desktop Underwriter and other software to apply mortgage guidelines and overlays.
- Referenced Agency (FNMA, FHLMC) and Non-Agency Guidelines for diverse mortgage transactions.
- Reviewed and analyzed income from personal and corporate tax returns.
- Served as subject matter expert on financial documents related to loan requirements.
- Investigated loan packages for fraudulent documentation or discrepancies.
- Maintained Direct Endorsement (DE) designation with active CHUMS ID.
Mortgage Underwriter
American Heritage Federal Credit Union
04.2016 - 01.2019
- Underwrote Conventional, FHA, and PHFA loans according to investor guidelines.
- Recommended alternative loan structures and financing solutions while ensuring accuracy in loan origination systems.
- Assisted in responding to Quality Control Audits to uphold compliance standards.
- Utilized Fannie Mae Desktop Underwriter, FHA Connection, Data Verify, and UCDP Portal for mortgage guideline application.
- Referenced Agency (FNMA, FHLMC) and Non-Agency Guidelines for various mortgage transactions.
- Reviewed income analyses from personal and corporate tax returns as a subject matter expert.
- Evaluated financial documents, including tax returns, credit reports, and financial statements based on loan requirements.
- Maintained Direct Endorsement (DE) designation with an active CHUMS ID.
Mortgage Insurance Underwriter
Essent Guaranty
04.2012 - 03.2016
- Provided meticulous attention to detail in underwriting mortgage insurance requests. Evaluated the financial strength of borrowers to determine risk and repayment capacity.
- Works well independently and within a team environment, adhered to strict deadlines, maintaining turn times of 12 hours and coached peers on various underwriting procedures.
- Executed tasks to meet established productivity and quality metrics.
- Experience in rendering loan decisions based on analysis of borrower’s employment, income, credit, collateral and assets.
- Worked closely with submitting lenders and appropriate manager for guideline and process clarification, in addition to effectively communicating loan level decisions both written and verbally.
- Performed manual appraisal reviews, automated value models, and internal processes to calculate loan to value ratios.
Residential Sales Representative
ADT Security Services
08.2011 - 04.2012
- Conducted sales presentations and security needs analysis with customer to provide best available ADT Fire and Security products and services.
- Designed layout of the alarm system by using thorough knowledge of the equipment and its capabilities.
- Actively marketed ADT products and services to meet monthly sales objectives and obtain new business as well as upgrades to current customers looking for new levels of protection.
Mortgage Underwriter / Contract Position
Wells Fargo Home Mortgage
10.2010 - 05.2011
- Review residential loans ensuring compliance with appropriate company and secondary market investor standards.
- Familiar with Fannie Mae and Freddie Mac guidelines.
- Examined loan documentation for accuracy and completeness.
- Ability to validate income, asset and collateral documents including self-employed tax returns.
- Communicated loan status by using superior phone and customer service skills.
- Cleared conditions, prepared file for submission to closing department.
Insurance Sales Agent
The Hartford/Catalyst 360
11.2009 - 10.2010
- Handled inbound phone calls from AARP members requesting information to meet their healthcare insurance needs.
- Provide quotations and counseling on insurance coverage.
- Applying and adhering to appropriate underwriting guidelines to determine customer eligibility and utilizing a professional sales model.
- Demonstrated an expertise in cross-selling products and services as they relate to customer needs.
- Works within established, measurable, call center metrics.
- Successfully passed the Pennsylvania Accident & Health licensing exam. Further licensed in 19 states.
Education
PA Accident & Health Insurance License -
01.2010
Champions School of Real Estate -
01.2004
Ryan Sales and Mgmt. Seminar - Finance & Insurance Management
01.1996
U.S. Marine Corps Non-Commissioned Officers School -
01.1993
Parkland Senior High School -
01.1989
Skills
- Loan underwriting
- Risk assessment and fraud detection
- Attention to detail
- Insurance sales and health insurance sales
Military Service
United States Marine Corps, 08/01/89, 08/31/94, Corporal E-4, Responsible for maintenance of all communications, navigation and radar systems of squadron aircraft., Meritoriously Promoted to Corporal and awarded Marine of the Quarter for the 2nd Marine Air Wing for outstanding achievement and leadership., Honorable Discharge after five years of service.
Timeline
Insurance Sales
Ideal Concepts
06.2023 - Current
Mortgage Underwriter
Prosperity Home Mortgage
10.2019 - 03.2023
Mortgage Underwriter
American Heritage Federal Credit Union
04.2016 - 01.2019
Mortgage Insurance Underwriter
Essent Guaranty
04.2012 - 03.2016
Residential Sales Representative
ADT Security Services
08.2011 - 04.2012
Mortgage Underwriter / Contract Position
Wells Fargo Home Mortgage
10.2010 - 05.2011
Insurance Sales Agent
The Hartford/Catalyst 360
11.2009 - 10.2010