SUMMARY:

• Twenty years experience in mortgage loan underwriting, processing of conventional, construction, and government loans, purchase, and refinance.
• Strong knowledge of federal and state regulatory.
• Special expertise in client relations as a mortgage underwriter, senior loan processor, originator, real estate consultant/advisor, quality control/auditor, due diligence and shipper through my years of work experience in the mortgage industry.
• Working knowledge in fraud investigations, auditing, organizational, managerial and communicative skills, wide range of exposure and adaptation to procedures and effective analysis of prospective and closed loans.
• Conventional loan underwriting working in lender offices, onsite.
• FNMA-DU and FHLMC-LP and Manual underwriting, front line underwriting.
• Review conforming/non-conforming a conventional mortgage loan files for PMI compliance and/or review loans for compliance with numerous investor program guidelines/requirements.
• Review and analyze mortgage loans for underwriting decision issues, compliance with investor programs and requirements, sufficiency of documentation, reliability of underwriting judgments and any issues of misrepresentation/fraud.
• Perform research of social security numbers, employment verification, and review appraisals for value and or deficiencies.
• Familiar with medical terminology, ICD and CPT codes

Education:

BA
Associates Degree

• Remote Due Diligence (risk analysis/quality assurance) of mortgage loans in accordance with FNMA/FHLMC, FHA/VA and lender guidelines to ascertain the quality and trends of assets as they relate to frontline and secondary market activity
• Performed credit and compliance analysis on products FNMA/FHLMC, FHA/VA, Prime, Alt A, and Scratch and Dent
• Perform quality assurance analysis and loss mitigation analysis.
• Remote / high volume production, 10-20 loans per day
• Clients consist of large financial institutions

• Provides consulting, management and financing services for business owners, chief financial officers, corporate real estate executives, buyers and developers.
• Assist with purchases, refinances, new development for commercial real estate financing.
• Performed research marketing, credit and operations risk analysis.
• Conduct full set-up of loans and distribution of documents, ordering all items to complete processing, pre-underwrote loan files, submitted to underwriting for final loan approval, coordinated closing and calling of appropriate parties, sent file to closing for drawing of documents
• Reviewed any concerns, especially decline with branch personnel.
• Proficient in identifying misrepresentation.
• Packaging supporting documentation for bankers, life insurance companies pension funds and private lenders for funding. -Commercial
  

Contract Underwriter 11/2006- 05/2007
Confidential, –Well Fargo

• Conventional loan underwriting working in lender offices, onsite.
• FNMA-DU and FHLMC-LP and Manual underwriting, front line underwriting.
• Review conforming/non-conforming a conventional mortgage loan files for PMI compliance and/or review loans for compliance with numerous investor program guidelines/requirements.
• Review and analyze appraisal to insure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirements.
• Provide approval to mortgage lender/broker correspondent or decline for appropriate reasons.
• Review suspense conditions for compliance with conditions required. Wholesale and Retail.

Contract Underwriter 04/05-11/2006
Confidential, Columbus OH –Key Bank

• Underwrite residential loans, analyzing all credit income, assets and collateral information, render credit decisions and ensure loans met FNMA/FHLMC and companies guidelines and standards for sales into the secondary market.
• Review and analyze mortgage loans for underwriting decision issues, compliance with investor programs and requirements, sufficiency of documentation, reliability of underwriting judgments and any issues of misrepresentation/fraud.
• Perform research of social security numbers, employment verification, and review appraisals for value and or deficiencies.
• Residential, Conforming and Non-Conforming markets.

• Underwrite files in Wholesale Brokerage Center.
• Used FNMA/FHLMC/DU/CUMI guidelines, analyzed credit capacity and character of the borrower and scenario. Communicate with staff in house and field account executives.
• Responsible for maintaining a high level of quality in the decisions to protect the company assets.
• Effectively supervised underwriting team, and performing quality control reviews as need required.
• Review for possible underwriting deficiencies and/or discrepancies
• Perform special audits for underwriters pertaining to the specific observations and concerns noted in the loan file during underwriting. Residential, Conforming and Non-Conforming.
  

Underwriter 12/2003-11/2004
Confidential, Richmond VA –Suntrust Bank

• Evaluating borrower's creditworthiness and complete loan file.
• Reviewing overall and ensure the correlation between income, employment, assets and appraisal is appropriate.
• Making sure documentation and disclosures is in compliance with standard agency Fannie Mae and Freddie Mac guidelines. Manual underwritten loans and input thru DU and LP. Validating conditions on loans underwritten.
• Review all appraisals and validate decision. Residential, Conforming.
  

Due Diligence Underwriter 01/2003-12/2003
Confidential, Stafford CT
Repurchase & Indemnification Project. -GMAC

• Reviewing and documenting quality control for investor for loans to be sold on secondary market.
• Researched troubled loans to insure investor claims for indemnification or repurchase were justified; performed in-depth research and investigation for misrepresentation/fraud.
• Report findings to executive management in clear and concise manner, aggressively resolve loans that were declined by investors, sought alternate solutions which were cost effective for company
• Grading files from supporting documents enclosed.
• Two monitors on disc or copy files, producing 10-20 files per day depending on leads request.
• Analyzing and interpreting financial information from various files underwritten. Residential, Conforming.
>

• Process and prepare for closing retail mortgage loans, under various loan programs in accordance with policies and procedures.
• Process loan from residence, input loan thru AU, DU, DO or LP for client broker or banker, verifying documentation, forward finds to loan officers, request supporting documentation to loan application according to findings, analyses of appraisal and title. Due Diligence performed on all files, wholesale files. Residential
  

JR Underwriter/Senior Loan Processor 2002-2002
Confidential,WAMU

• Input loan thru DO provide loan status to loan office, review supporting documentation, validate conditions on finding report, request documentation from borrowers, order title, appraisal and scheduled closings. Handle complex files.
• Review and analyze appraisal to insure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirements
• Worked directly with branches to find solutions, alternate documentation/approval and resolve issues that resulted in closed and funded loans.
• Reviewed any concerns, especially decline with branch personnel/account executive/branch manager when available.
• Proficient in identifying misrepresentation. –Residential, Conforming and non-conforming
  

Senior Mortgage Loan Processor 1999- 2002
Confidential, Virginia Beach VA

• Register loans on the origination system and maintain system accuracy, issue proper disclosures as required by federal regulatory compliance.
• Check alternative documentation for accuracy and potential problems.
• Assist approved brokers with processing loans, prequal borrowers through third party, review and verify all documentations, address final conditions and submit to closing department.
• Review and analyze appraisal to insure liability and stability of property and inclusive of appraisal/property evaluation for compliance requirements.
• Worked directly with branch personnel/account executive and branch manager. –Residential, non-conforming.

• Review rate lock and point objectives for accuracy, ensure overage and underage is approved as well as waiver of any fees, setup files and order all necessary exhibits for appraisals and credit reports.
• Order title insurance, flood, tax certificates and surveys, reviewing for problem upon receipt.
• Assist clients with business and commercial mortgage loan process, ordered credit reports, title insurance, survey and appraisal, review rate and lock, matching clients profile to lenders portfolio-Commercial
  

Mortgage Loan Processor 1987- 1999
Confidential, Virginia Beach

• Processed loan applications, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions and perform closings.
• Review the weekly pipeline. -Residential
  

Medical Record Coordinator 1983 1989
Confidential, Norfolk VA

Responsible for organizing and maintaining all UR files and insurance logs and mailing UR correspondence to designated health plan agents. This incumbent was an essential in all areas of the Utilization Review Department. Other duties consist of pulling charts, filing mostly electronically, routing electronic faxes, order records from off-site storage and assist with scanning in to EMR, coordinate/copy/fax medical records upon request, and other related administrative tasks.

Medical Record Clerk II 1982 1987
Confidential, Norfolk VA

Worked under limited supervision, perform medical records activities including filing, pulling and delivering medical records to the proper location and handle the information confidentially, and other related administrative tasks.