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Scott Sekerak

@scottsekerak

Accomplished Quality Control Underwriter, Repurchase Analyst, and Mortgage Underwriting Manager with extensive expertise in risk assessment, forensic

United States

Message

At New American Funding, I authored fact-based rebuttals to investor buyback demands and maintained a 60% monthly Agency demand overturn rate, saving $2M–$3M in revenue. I also identified high-risk defects and fraudulent loan activity across multiple loan programs.

At CrossCountry Mortgage, I conducted pre-funding and post-closing loan reviews, examining documentation, underwriting decisions, and compliance. Earlier, at JPMorgan Chase, I reviewed repurchase demands and mortgage insurance cancellation claims, and supervised repurchase pipelines.

Experience

Work history, roles, and key accomplishments

QA Prefund Repurchase Analyst

New American Funding

Aug 2025 - Sep 2026 (1 year 1 month)

Authored rebuttal arguments against investor buyback demands, maintaining a 60% monthly Agency demand overturn rate and protecting $2M–$3M in saved revenue. Detected fraudulent loan activity and resolved high-risk loan defects through detailed risk analysis.

Risk Analysis Fraud Detection Mortgage Underwriting FNMA FHLMC FHA USDA AUS DU LP Quality Control Rebuttals

Quality Control Analyst / Underwriter

CrossCountry Mortgage

Mar 2017 - Mar 2025 (8 years)

Conducted daily pre-funding re-examinations and post-closing reviews of loan files, auditing credit, income, appraisal, and compliance. Reviewed complex income documentation and identified valuation discrepancies to mitigate lending risk.

Quality Control Mortgage Underwriting Credit Analysis Income Verification Appraisal Review Compliance Risk Mitigation Fraud Detection

Senior Underwriter

Union Home Mortgage

Jun 2015 - Mar 2017 (1 year 9 months)

Underwrote 3–5 new loans per day, evaluating borrower credit, employment, income, assets, and appraisals. Cleared CTC conditions within 24 hours and prepared high-risk files for corporate risk committee.

Mortgage Underwriting Credit Analysis Risk Assessment FHA USDA Conventional CTC Compliance

Correspondent Repurchase Forensic Underwriter

JPMorgan Chase

Aug 2012 - Jun 2015 (2 years 10 months)

Reviewed Agency and Non-Agency repurchase demand letters and Mortgage Insurance Cancellation claims to determine validity. Managed a monthly pipeline volume of $40M–$50M within 30-to-90-day timelines.

Forensic Underwriting Repeat Purchase Analysis Mortgage Insurance AUS Validation Risk Management Pipeline Management Report Writing

Correspondent Repurchase Team Leader

JPMorgan Chase

Jul 2009 - Sep 2012 (3 years 2 months)

Supervised a monthly pipeline volume of $25M–$30M, maintaining cycle turn-times within 30-to-45 days. Evaluated investor buyback demands and insurance cancellations to establish liability and communicated decisions to stakeholders.

Team Leadership Repeat Purchase Analysis Policy Compliance Risk Assessment Communication Skills Pipeline Management