SUMMARY:

• 10+ Years of total Experience
• Supervise staff of 5 employees performing duties such as interviewing/hiring, scheduling and payroll
• 9 Years of experience as a Underwriter
• Expertise in Manual underwriting
• Audit closed loans for misrepresentation. Loans which are currently in foreclosure or delinquent. Re-verify income, employment, business ownership, occupancy an asset verification
• Expertise in Desktop Underwriter, Loan Prospector, FHA Connection, Assetwise and Interthinx Core logic
• Underwrite file to specific product guidelines, this process is done by review of loan registration, income documentation, bank statements, appraisal reports, credit reports, all compliance disclosures, final 1003 and initial 1003
• Approved loan exceptions with compensating factors. Reviewed Fannie Mae, Freddie Mac, RFC, Indymac and FHA loans. Excellent communication, interpersonal, organizational, and leadership skills
• Exceptional versatility with the ability to manage multiple tasks in a pressured environment

PROFESSIONAL EXPEREINCE:

Confidential July 2011-Present 
Home Lending Underwriting Job Coach for the Executive Office

• Created and facilitated training for new and seasoned Underwriters.
• Researched policy and procedures for laps of coverage and gap enforcement
• Became SME for various area with Default Escalations

Confidential May 2010- July 2010 November 2010-July 2011 
Correspondent/Due Diligence Lead Underwriter, Lead Mediation Underwriter

• Re-verified income, employment, business ownership, occupancy, asset verification, and review appraisals for supporting value. Input loans into Data Verify for accuracy and cross references.
• Carefully reviewed documents to confirm misrepresentation and determine if it would be acceptable in a court of law.
• Underwrote Conventional, FHA, USDA and VA loan for delinquent borrowers seeking modification of their current mortgage loans

Confidential Oct 2009-August 2010 July 2010-August 2010
Contract Conventional Underwriter

• Carefully review documents to confirm possible alteration. All appraisal reports are carefully reviewed for possible inflated value . If red flags are pointed out, determine if the file needs to be rescinded base upon the final findings..
• Underwrite file to specific product guidelines, this process is done by review of loan registration, income documentation, bank statements, appraisal reports, credit reports, all compliance disclosures, final 1003 and initial 1003.
• Calculate income, debt reflected on credit reports, PITI, debt to income ratio and housing ratio, confirming guideline is met. If applicable make necessary changes in AUS and issue MI.

Confidential May 2009- Sept 2009
Contract Mortgage Underwriter.

• Re-verified income, employment, business ownership, occupancy, asset verification, and review appraisals for supporting value. Input loans into fraud guard (Interthinx) for accuracy and cross references.
• Carefully reviewed documents to confirm misrepresentation and determine if it would be acceptable in a court of law.
• Underwrote file to specific product guidelines, this process was done by review of the registration form, income documentation, bank statements appraisal reports, credit reports, all compliance disclosures, 1003, final and initial, 1008. Debt to income ratio and housing ratio were figured, to confirm guidelines are met.

Confidential March 2005-December 2007
Underwriter/Account Executive/Mortgage Broker/Owner

• Order title, appraisal and home owners insurance.
• Review sales contract, income, assets & credit report.
• Determined which program was best for borrowers. Submitted loans through AUS, scheduled closings, called borrowers and agents to confirm closing dates and times. Overnight packages to lenders, faxed conditions, ordered closing packages, requested credit supplements and completed fee sheets.

Confidential June 2004-January 2005
Mortgage Underwriter

• Underwrote file to specific product guidelines, this process was done by review of the registration form, income documentation, bank statements appraisal reports, credit reports, all compliance disclosures, final and initial 1003, debt to income ratio and housing ratio were figured, to ensure guidelines were met.

Confidential October 2001-January 2004
Conventional Underwriter (Manuel Underwrite Fannie and Freddie)

• Underwrote file to specific product guidelines, this process was done by review of the registration form, income documentation, bank statements appraisal reports, credit reports, all compliance disclosures, 1003, final and initial, 1008.
• Debt to income ratio and housing ratio were figured, to confirm guidelines were met. If applicable made necessary changes in AUS and ordered 4506 transcript.

Confidential May 1995 – June 2002 
Processing/Underwriting

• Underwrote file to specific product guidelines, this process was done by the review of loan registration form, income documentation, bank statements appraisal reports, credit reports, all compliance disclosures, final 1003 and initial 1003, reviewed debt to income ratio and housing ratio confirming guidelines were met. If applicable made necessary changes in AUS and ordered 4506 transcript.
• Worked varies projects taking income call accepting mortgage application and ensuring borrowers closed as efficiently as possible