Seeking position as… Senior Forensic Due Diligence Underwriter

Underwriter /Risk Underwriter- Investor Sales /Compliance Specialist Quality Control Auditor/Legal Doc's Reviewer /

"Proactive Leader, Multi- Tasker, Team Player
And Independent Problem Solver"

Extensive contractual underwriting experience utilizing various systems, practices and procedures for Conventional, Alt A, Sub Prime, and FHA /VA products. Through knowledge of Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector; Maintain expert knowledge of changes in loan underwriting provisions in FHLMC/FNMA guidelines Federal and State Compliance Regulations, as well as Corporate Credit policies via ongoing workshops and classes.

AREAS OF EXPERTISE

• Mortgage Forensic Due Diligence
• Federal and State Compliance Regulations
• Underwriting Jumbo, 2nd Mtg Loans
• HUMDA Compliance Training
• Section 32 Compliance Auditing
• Appraisal Review
• Mortgage Fraud Training
• Bilingual French & Creole
  

Professional Experience

Confidential, Kennesaw, GA 2008-Present
Senior Customer Care Specialist (Verizon Wireless)

• Customer support for wireless communication devices, data products and services.
• Programming equipment, trouble shooing features, application downloads and broadband access operating on Windows Mobile, Palm, Linux and Macintosh systems.
• Proactively offers options, solutions and recommendation for services and changes to account to resolve billing issues, utilizing ACSS, Net Ace, and OnePOS.

Confidential, Kennesaw, GA 2008-2009
Sr. Risk Compliance Underwriter

• Ensured that all loans underwritten met prescribed policies and procedures for salability.
• Identified legal documents/data discrepancies in FHA, VA and Conventional loan files.
• Analyzed credit reports, financial statements, appraisals title reports to ensure packages met funding and underwriting guidelines and to determine any trends in areas of non compliance.

Confidential, (Consulting), Atlanta, GA 2004 - 2007
Senior Underwriter-Investor Sales

• Audit Loans to ensure docs meet investors and marketability audit guidelines.
• Communicated with management operations on incorrect, inadequately and missing information in the investor sales projects. Site Manager for small to mid- size loan pools.
• Reviewed loans rejected during due diligence for underwriting, appraisal, compliance and documentation issues. Sign off conditions in a timely manner.

Confidential, Atlanta, GA 2004 - 2004
Underwriter

• Underwrote Conventional loans according to client guidelines.
• Reviewed loan application packages for completeness and accuracy.
• Review and Verified accuracy of the credit, appraisal and legal regulatory compliance documents the loan package.

Confidential, Atlanta, GA 2003 - 2004
Underwriter/ Mortgage Specialist/Processor

• Underwrote Sub Prime, Conventional and FHA Loans according to client guidelines.
• Analyzed the Credit, Income and Personal Assets of the loan applicants.
• Reviewed Purchase Contracts, Title Reports, Appraisals, and determined if the appraisal is supported and all appraisal requirements are met.

Confidential, Los Angeles, CA 2002 - 2003
RiskUnderwriter Investor Sales/Project Manager Lead

• Supervised staff of twenty employees. Underwrote Sub Prime, Conventional and FHA loans.
• Communicated with management operations on incorrect, inadequately and missing legal loan docs for commercial and conventional audit list.
• Applied extensive expertise and analysis to develop solutions to complex auditing problems, with adherences to company's and investor's loan documentation policies with consumer protection guidelines.

Confidential, Minneapolis, MN 2000 - 2002
Compliance Senior Underwriter

• Quality Control review of all Post Closing, Underwriting and Compliance.
• Reviewed both credit and compliance on all classification of residential mortgage loans, including Arms, Jumbos, and Heloc loans. Exercised delegated loan approval on PMI insured.
• Communicated with management operations on incorrect, inadequately and missing legal loan docs Identified underwriting/data discrepancies in loan files.

Confidential, St Louis, MO 1997 - 2000
Underwriter/Auditor/ Processor

• Underwrote Conforming, Jumbo, FHA and VA loans. Identified excessive risks in mortgage loans.
• Determined course of action on credit issues. Educated clients on loan transactions and documents.
• Reviewed residential mortgage applications and appraisals for watch list and potential fraud.

Confidential,Atlanta, GA 1996 - 1997
Underwriter/Team Lead

• Trained 12 new employees on underwriting Tile 1 and DC 125 loans.
• Underwrote Sub Prime loans. Approved decisions on Title 1 and DC 125 loans.
• Rendered prudent credit decisions on appeals and exception overrides.

Education:

Major: Finance
Skills: Word, Excel, Power Point, Outlook, Access, Windows XP, 2000, 98 & 95, LIS/LPS databases,
Loan Prospector (LP), Loan Works and Optis (Both integrated with DU), LPL and Unifi, Mortgage Ware Calyx Point, Brooks, Notary Public

Languages: French & Creole
References: Available upon request