underwriters panel
Tue. April 21
Join our panel of experienced underwriters as they share what lenders look for, common hurdles in the approval process, and emerging trends in the mortgage market. Ask questions and gain actionable insights—register today!
10:00 AM - 1:00 PM | Lunch Included
AGC Center - Birmingham, AL
MBAAL members $35 | Non-members $45
REGISTER
Mortgage Underwriter
Stan Uncapher
Stan earned his MBA in 2011 and has worked in the mortgage business ever since. He began his career as a processor, and has since spent time as a loan officer, compliance officer, analyst, with the bulk of his career as an underwriter.
"I underwrite conventional, portfolio, FHA, and Jumbo/Non-QM loans. As an underwriter, my focus in on proactively communicating with my loan officers, LOAs, and processors to make sure that we work as a team and find solutions to any problems that come up during the loan process."
Mortgage Undewriter
Larry Hickey
Larry Hickey is a seasoned Mortgage Underwriter with over 30 years of experience specializing in risk assessment, credit analysis, and complex loan decisioning across multiple lending environments. He is fully certified to underwrite VA, FHA, USDA, and Conventional loan products and holds both SAR (LAPP) and DE designations, demonstrating advanced proficiency in government‑backed lending programs.
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Throughout his career, he has built a reputation for precise guideline interpretation, sound judgment, and a commitment to delivering high‑quality, compliant underwriting decisions. His expertise spans purchase and refinance transactions, manual underwrites, layered‑risk scenarios, and collaborating closely with loan officers, processors, and compliance teams to ensure smooth, timely closings.
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Known for his analytical approach, strong communication skills, and dedication to maintaining the highest standards of loan quality, Larry brings unmatched depth of knowledge and reliability to every file he reviews.
Underwriting Manager
Ryan Fay
24 years ago, Ryan took a temp job answering phones for a mortgage company during a refinance boom and the rest is history. She asked the Processor about a thousand questions in the first 90 days, so it is only fitting that she ended up as an Underwriting Manager answering questions for others all day long. Ryan quickly worked her way through the roles of processor, loan officer assistant and underwriter, eventually becoming an Underwriting Manager. She has a love for income calculations and appraisal reviews, with a healthy appreciation for Compliance and Risk Management.
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“As Underwriting Manager, much of my day is now spent troubleshooting challenges and assisting my team of underwriters get loans to the closing table, but there is still something very satisfying about underwriting a loan and approving a first-time homebuyer.” Much has changed in the industry in the last 24 years, but reading and understanding the guidelines will never go out of style. “I’m a big believer in understanding the why behind the guidelines and have found that having those conversations with Sales and Processing pay dividends down the road with how they approach the next borrower’s loan.”
Ryan is based in Birmingham and manages a team of ten underwriters for FirstBank.