Senior Quality Control Underwriting Consultant Resume Dallas TX - Hire IT People

Professional Experience
Confidential Irving, TX Oct 2010 - present
Senior Credit Risk Underwriter Corporate Exception Desk

Assign loans to various underwriting teams/team members within the company and ensure timely responses are issued
Monitor various department reports to ensure service level agreement turn times are met
Perform audit reviews in order to recommend Underwriting Authority levels for new or advancing underwriters
Evaluate overall credit risk for Jumbo, Conventional, FHA, VA, Bond and USDA loans
Analyze challenging loan packages to render a credit decision for exception requests outside of company guidelines and within Investor requirements for all business channels
Assist Secondary Market and Senior Management to address potential repurchase of loans by conducting risk analysis on loans questioned by Investors
Work directly with Investors to address their audit concerns by evaluating loan files and preparing rebuttal responses
Resolve ineligible loans by locating suitable options with other eligible Investor programs
Provide support for special projects such as QC reviews, Correspondent loan purchases, and Servicing Risk reviews
Monitor department emails and provide timely responses to requests

Confidential Dallas, TX June 2010 – Oct 2010
Senior Quality Control Underwriting Consultant

Performed quality control audits on Internal QA Underwriter reviews to ensure their review of closed loans adhere to FNMA Selling Guide, DU guidelines, and or negotiated terms as defined by contracts with the clients lender partners
Conducted risk analysis and made decisions regarding deficiencies identified during the review process
Maintained a sound knowledge of Fannie Mae guidelines and risk assessment tools used to decision mortgage loans
Worked closely with Management on target audits of QA Underwriting staff to determine job performance
Professionally communicated results of the file reviews both verbally and in written format to internal and external vendors

Confidential Eden Prairie, MN Oct 2004 – May 2010
DE Consumer Loan Underwriter

FHA Direct Endorsement certified since September 2009
Provided work direction and training to team members and new hires
Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines
Evaluated and examined transactions to ensure accuracy and completeness
Ensured that documents were consistent and upheld to company and industry guidelines
Contacted partners to gather information to make appropriate decisions

Confidential Bloomington, MN Dec 2003 – Oct 2004
Senior Loan Processor

Assigned loans to processing staff and managed team pipeline to ensure turn times were met
Handled escalation calls from Borrowers, Loan Officers, and various Vendors
Pre-underwrote loans prior to submitting to underwriting; cleared pended and stipped conditions from underwriting and post closing departments in a timely manner
Ensured data integrity by reviewing loan documentation for consistency and adherence to loan procedures; restructured loans to meet specific programs and guidelines
Managed pipeline accurately and efficiently to meet closing deadlines in order to provide smooth and timely transactions

Education