Mid America Mortgage announced the addition of David Tracy as the company’s national underwriting manager.

In this role, Tracy is tasked with revitalizing Mid America’s underwriting operations nationwide, the company said in a release.

Prior to joining Mid America Mortgage, Tracy served as an underwriting consultant at Fannie Mae. While at Fannie Mae, Tracy was responsible for conducting file reviews based on Fannie Mae and Desktop Underwriter guidelines, identifying and investigating potential fraud, conducting risk analyses and communicating file review results to internal and external customers.

“Underwriting is a mission-critical function for any mortgage lender, and it has become an area in which Mid America seeks to differentiate itself from our competitors,” Mid America Mortgage Owner and Chief Executive Officer Jeff Bode said. “Through David’s efforts, Mid America is committed to restoring the lost art of human review in the underwriting process.”

Earlier in his career, Tracy served as an underwriter for Bank of America and has filled mortgage operational roles for several Texas-based lenders, including CTX Mortgage, Capital Company of America and Nationsbanc Mortgage Corporation.

“While automated underwriting certainly has its place in mortgage lending, there is no substitute for the human element in the underwriting process,” Tracy said. “My goal as national underwriting manager is to create an underwriting environment within Mid America that enables us to uncover lending opportunities that may be overlooked or rejected out-of-hand in a fully automated underwriting setting without sacrificing loan quality.”