SUMMARY

• I am a motivated individual with experience at succeeding in a variety of environments. I am able to handle multiple tasks while focusing on priorities to meet deadlines. Additionally, I am able to effectively communicate with all levels of staff. At this time, I am seeking a full time remote position in the mortgage industry.

WORK EXPERIENCE

Confidential, New Haven County

Senior Loss Mitigation Underwriter

• Analyze mortgage files for repayments, deferments, modifications or special forbearances; evaluate borrower financial information, bank statements and hardship, while keeping in full compliance with all company policy and procedures. Decision files within time frame given and maintain open communication with borrower and other bank departments of outcome of analysis.
• Accurately document all communications with borrower and input proper codes in system to keep loan up to date.
• Monitor pipeline of files to ensure borrower compliance with mortgage workout and issue new financial package when borrower is nearing the end of their workout to see if borrower will qualify for any other loss mitigation option.

Confidential, Cheshire, CT

Credit Risk Review Analyst - Contractor

• Conduct quality control loan review and risk reviews of various loan portfolios including income, assets, liabilities and program eligibility.
• Re-calculate income, liabilities, DTI, LTV, CLTV and compare to specific guidelines
• Use credit and financial information to verify the continuing credit worthiness of existing customers
• Review all documentation including credit report, Note, Mortgage, HUD
• Report on exceptions to established guidelines and verify adequacy and completeness of credit files
• Report feedback to managers relative to credit/loan quality issues arising from reviews.
• Participate in other projects as requested by the Director or Manager of Credit Risk, using Lotus Notes to track progress.
• Perform federal compliance audit including initial disclosures, Flood act and more
• Perform revivifications and other responsibilities as assigned
• Perform appraisal desk review to confirm validity of comparables, value and condition conclusions
• Completed Anti-Money Laundering and Bank Secrecy Act Compliance training

Confidential, Newark, NJ

File Reviewer III -Contractor

• Performed re-underwrite of files where borrowers were denied modifications to ensure borrower was not declined in error.
• Reviewed loan ratios such as DTI, income documentation, reason for hardship and default, credit history and FICO score, appraisal, BPO, tax returns to re-underwrite file and determine credit worthiness at time of loan.
• Evaluated default mortgage loan files during the Claim Research process to determine if all required loss mitigation activities were handled and documented in accordance with the requirements of HAMP, BAC Proprietary Modification or other applicable program guidelines and requirements.
• Reviewed loan histories, imaged documents and information available from all sources to collectively determine if it validates the information used to make the foreclosure decision.
• Completed Claim Review and perform Harm Evaluation according to Promontory/OCC definitions
• Determine if Borrower / Customer has a valid claim.
• Determine if there was financial injury.
• Provide a recommendation whether or not any errors, misrepresentations or other deficiencies that may be identified resulted in financial injury to the borrower or the mortgagee.
• Trained new employees on procedures and systems to ensure accuracy in production.

Confidential, Bridgeport, CT

Underwriter - Contractor

• Reviewed residential retail loan files for completeness and accuracy, calculated LTV, and DTI ratios. Analyzed credit documents; including mortgage applications, credit history and income documents, appraisals and all applicable compliance standards. Responsible for adhering to Bank Secrecy Act, HMDA, Regulation Z, and Community Reinvestment Act.

Confidential

Commercial Real Estate Underwriter

• Performed credit analysis and underwriting of income-producing commercial real estate including office, retail, mixed-use and multi-family properties. Analyzed the borrower’s financial and credit history as well as the income and expenses of the property. Performed credit, appraisal and cash flow analysis.
• Presented and recommended loans to Credit Committee for approval or decline, ensuring compliance with company standards regarding LTV, DSCR and DTI ratios.

Confidential, Bridgeport, CT

Loan Review Analyst, Consumer Lending

• Performed quality assurance through systematic audit of underwriting operations to test compliance in all regulations, including, but not limited to Regulation B, Regulation C and Regulation Z.
• Performed monthly loan review and participated in cross departmental meetings. Communicated audit findings to Underwriting team and made suggestions on how to improve quality.
• Updated, maintained and published chronology log of meeting minutes.
• Assisted in the training of employees and mentored less experienced employees on policy, procedure and computer skills.

Confidential

Mortgage Loan Processor

• Prepared mortgage wholesale loan files by reviewing loan applications. Scored loans using Desktop Originator and Gemstone underwriting programs. Submitted complete loan packages to Lender for approval. Prepared mortgage commitment letters. Ordered appraisals and Credit Reports. Prepared weekly Reports for management.
• Knowledge of Jumbo, FHA, Sub Prime, and HELOCs.