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Christopher Abernathy

@christopherabernathy

Senior mortgage underwriter at Morgan Stanley - Private Bank who implemented an AI assistant in the underwriting workflow for UHNW clients.

United States

Message

At Morgan Stanley - Private Bank, I underwrote complex purchase, refinance, and home equity loans for UHNW clients, with signing authority up to $1MM. I also implemented the AI assistant in the underwriting workflow.

At Bank of America - Private Bank, I underwrote loans for high-net-worth and ultra-high-net-worth clients with signing authority of $2,000,000. I structured loan solutions for clients with complex income streams and earned the SASE level 6 designation.

Earlier at Bank of America - Retail, I underwrote Fannie Mae, Freddie Mac, and FHA loans and filed claims to HUD for the 601 program. My work has included manual and AUS underwriting, complex income analysis, and asset-derived income.

Experience

Work history, roles, and key accomplishments

AVP, Senior Underwriter

Morgan Stanley

Nov 2021 - May 2026 (4 years 6 months)

Underwrote complex mortgage transactions for UHNW clients with signing authority up to $1MM, maintaining 95%+ customer satisfaction. Led cross-division training sessions and consistently ranked in the top 5% of producers.

Manual Underwriting AUS Self Employment Income Income From Assets Technical Refinance Cash Flow Analysis Real Estate Investor Financing Risk Assessment Customer Service Training AI Tools Zoom PowerPoint

Officer, Corporate Underwriter

Bank of America

Feb 2019 - Nov 2021 (2 years 9 months)

Underwrote purchase and refinance loans for high net worth clients with signing authority of $2,000,000. Structured custom loan solutions for complex income streams while adhering to risk appetite.

Manual Underwriting AUS Self Employment Income Income From Assets Delayed Financing Risk Assessment Loan Structuring Customer Service

Corporate Underwriter

Bank of America Merrill

Apr 2016 - Feb 2019 (2 years 10 months)

Underwrote purchase, refinance, and home equity loans for high net worth clients with signing authority of $2,000,000. Mentored associates and evaluated borrower financial strength to determine risk.

Manual Underwriting AUS Self Employment Income Risk Assessment Mentorship Financial Analysis

Senior Underwriter

Bank of America

Jul 2006 - Feb 2016 (9 years 7 months)

Underwrote purchase and refinance loans with signing authority of $750,000, ensuring compliance with internal and external guidelines. Performed litigation audits and filed claims to HUD, recouping millions in unpaid balances.

Manual Underwriting AUS Fannie Mae Freddie Mac FHA Litigation Audits HUD Claims Risk Assessment

Underwriter

Terrace Mortgage Company

Jan 2004 - Dec 2006 (2 years 11 months)

Underwrote loans using AUS and manual underwriting, facilitated expansion into Florida, and worked with brokers to restructure turned-down loans for approval.

AUS Manual Underwriting Loan Products Compliance Broker Relations