Contract Underwriter Resume FORT WORTH, TX - Hire IT People

objective

Be an underwriter with expertise in multiple specializations upholding performance standards and reporting and review processes to ensure compliance with all financial reporting

Work of experience

Feb 2012-Current Integrity Staffing Lewisville, TX Contract Underwriter- Confidential

Review and calculate debit to income ratios manual and automated, review loan to value and credit reports
Evaluate mortgage loans including self-employed and high risk profile applicants
Ensure that all transactions are properly documented to bank program standards or ensure exception situations are properly documented and authorized
Maintain current knowledge of all bank loan programs and underwriting guidelines
Utilizing a variety of systems and web-based tools to research & resolve customer issues
Experience in FNMA,FHLMC,VA,USDA,PRIVATE,ASSET, and FHA loans

July 2010-Dec 2011 Confidential, Fort Worth, TX
Loss Mitigation Specialist/Underwriter

Customer Service to individuals who are behind on payments for mortgages
Documentation and follow-up on calls as well as proper escalation to any other departments
Oversee and implement loss mitigation policy to reduce potential loan losses or foreclosures
Provide one-on-one counseling to homeowners experiencing mortgage default
Assist with efforts to limit losses on outstanding problem loans or non-performing loans
Calculate debt to income and make thorough decisions based on results
Responsible for analyzing credit, capacity, and collateral in accordance with established policies and procedures
Proficient in LPS, Venture, AS400, Fiserv

May 2009-July 2010 Adecco Staffing Fort Worth, TX Collector Confidential

Reviewing customer\'s overdue balances and obtaining payments
Handling customer questions, issues and billing inquiries with the highest degree of courtesy & professionalism
Handling business transactions and offering alternative solutions to retaining customers business
Making financial decision to protect/collect revenues and adjust customer accounts
Utilizing a variety of systems and web-based tools to research & resolve customer issues

June 2007-April 2009 Confidential, Fort Worth, TX
Underwriter

Assessed loan attributes and documentation for soundness and accuracy
Determined appropriate recommendations subject to management and underwriting guidelines
Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors
Independently performed financial analysis on borrowers
Assisted in identifying, recommending and negotiating alternative loan requirements, funding loan-structuring solutions
Maintained current knowledge of market conditions and company lending guidelines

Nov 2007-April 2009 Confidential, Fort Worth, TX
Customer Service Representative

Take Calls for 400 credit unions
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Submit applications to credit analysts for verification and recommendation.
Handle customer complaints and take appropriate action to resolve them.
Handle accounts with high integrity and customer service.

education

Diploma Received

Reference

Available upon request

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Contract Underwriter Resume

Fort Worth, TX

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