SUMMARY

• Underwriting in originations and back end. Analytical with excellent organizational skills.
• Strong ability to research problems, communicate effectively to resolve issues and follow through to ensure quality service.
• Known for accuracy, perseverance and a high degree of efficiency. Detail oriented, able to meet deadlines, team player, dependable, and able to multitask.
• Excellent interpersonal, communication and relationship-building skills. Listen attentively, communicate persuasively and follow through diligently.
• Technically skilled— (Windows/lotus notes) and proficiency in Word, Acess, Publisher, Word Perfect, Citrix, Lexis Nexis, Data Verify, Zillow, Outlook, Communicator, DRI, OCS, MAT Tool, File Net, Quantum, Blitz Com.

Key Competencies
Familiar with DU and LP
TMO system
Conventional loan refinance stated income
Loss authority level 300K
Familiar with Fannie Mae and Freddie Mac GL
HARP and HAMP/FHA

Education

bachelor in general studies

PROFESSIONAL EXPERIENCE

Confidential,underwriter II
May 2011- August 2012
Assessing information obtained and determining if it validates the information used to qualify the borrower at the time of loan origination.

• Review /analyze loan files submitted for borrows to ensure file meets loan program requirements.
• Loan application /title vesting/flood certification/Closing Protection Letters(per State)/Home Owners Insurance/
• CBR, income and financial statements
• Debt and liquid assets
• LTV and appraisal
• Review and clear conditions, approve suspend and or deny loan file.

Confidential,underwriter I
March 2010-May 2011

Assessing information obtained and determining if it validates the information used to qualify the borrower at the time of a short sale offer.

• Responsible for underwriting short sale loan
• Insuring all Citifinancial and Citimortgage guidelines are met in accordance.
• Analyzing appraisal value
• Reading HUD/purchase contract/listing agreement /CBR
• Calculating loss to ensure loss meets Citi Mortgage loss GL
• Preparing and ensuring that documents are consistent and are upheld to company and industry guidelines: performing compliance reviews, assisting with re-negotiations of loans based on lending guidelines
• Negotiating listing and or short sales and realtor commission

Confidential,underwriter I
February 2009-March 2010

Assessing information obtained and determining if it validates the information used to qualify the borrower at the time of a modification offer.

• Underwriting review on selected conventional and or/FHA loan products accordance with GL
• Apply specialized knowledge to interpret applicable internal and regulatory underwriting Gl
• Asses all variables and determine conditions for loan approvals or denials and make final underwriting decisions.
• Evaluate debt to ratio, loan to value, credit score, property valuation and an array of other factors.
• Identify any potential fraudulent activity and performed a sufficient investigation to ensure that Due Diligence is done in a professional and accurate timely manner.
• Assist in research and resolution for any title issues, document recording issues, tax liens/sales and escrow analysis, loan documentation and payoffs.

Confidential,Mitigation specialist III
December 2008- February 2009

• Communicated regularly and effectively with mortgagors that are seriously delinquent in order to identify and counsel borrowers on best workout options available;
• Negotiated workouts with all involved parties (borrowers, investors / insurers, brokers etc.) from initial workout request to final close of workout;
• Obtained all necessary documentation from mortgagors, etc. and coordinated workouts with applicable internal departments, when necessary; Handled complicated level of workout cases, such as loan modifications, partial claims, deed-in-lieu’s, and short sales;
• Provided proper and timely response to mortgagor\'s correspondence according to RESPA guidelines and communicated regularly and effectively with other departments and other companies; Completed documentation of workout efforts (including communications, reason for default, workout/payment plans, updated phone numbers and mailing addresses); Completed research and follow up on critical or irate issues for the team leader as assigned. Assist with problem accounts, complaint calls and correspondence.

Confidential,Short Term disability claims manager II
December 2004-February 2009

• Managed an assigned caseload of disability claims for short- term disability; Input claimant medical and demographic data; Evaluated claimant eligibility;
• Developed plans to address disability obstacles and plans with claimants, attending physician and employer; Monitored medical condition of claimant; Discussed, with employer, return to work either Full-time or modified duty basis;
• Integrated individual rehab/return to work plans into ongoing medical treatment plans; Determined payment period, follows up and monitored payment accuracy and timeliness; Monitored social security decisions and other disability income benefits;

• Insured all claims adhered to contractual obligations and responsibilities; effectively and concurrently managed medical disability claims while ensuring Effective Risk with Insurance Standard Assessment (ERISA) compliance and duration guidelines were met.