Underwriter Resume Jacksonville, Florida - Hire IT People

Objective
To obtain an underwriting position in the mortgage industry with a reputable company where my years of experience and education may be utilized and enhanced.

Employment History

Sr. Underwriter: Confidential, June 2011 to Present Jacksonville, FL

Performs mortgage credit analysis, with or without the assistance of automated underwriting system, to determine the borrower’s willingness and ability to repay the mortgage debt. Perform second reviews of initial underwriter’s review to determine file worthiness. Evaluate risk to ensure a prudent decision is made. Underwrite and apply needed conditions to mortgage applications to assure borrower meets program/product specifications. Communicate the decision (approval, suspense, denial) to the appropriate individuals within the firm while upholding fair lending practices. Responsible for productivity targets and ensure quality and customer satisfaction. Partner with sales to ensure mortgage applications are originated efficiently and in compliance with all Chase regulatory requirements, especially as it pertains to Underwriting.

Underwriter III: April 2010 to April 2011– Confidential, Jacksonville, FL

Underwrite for Confidential, Review all aspects of loans to include credit, income, asset as well as collateral documentation. Ensure adherence to Fannie Mae, Charles Schwab and PHH guidelines. Assess loan attributes and documentation for soundness and accuracy; review and evaluate loan files for risk issues and potential misrepresentation; determine and document loan conditions for loan approval, suspense, pend or denial. Assist in identifying and/or recommending alternative loan structuring and/or loan requirements; independent ability to perform comprehensive evaluations on complex, high risk loan applications. Ensures loan pricing meet lender and product guidelines; Review and update pipeline status report daily to ensure loans reflect their true status of approved, canceled, declined or closed; Maintain current knowledge of market conditions as well as company and lending guidelines; Provide and maintain excellent customer service with internal customers, investors, loan officers, financial advisors and third party vendors; Perform audit reviews for junior underwriters and make recommendations of their level of credit signing authority.

Director: June 2007 to April 2010, Confidential, Jacksonville, FL

Oversaw workflow, productivity and employee performance as it was related to loan production, risk management and, servicing; Managed, coached and trained office staff which consisted of administrative assistant, loan officers, loan processors, underwriters, closers, modification specialists and realtors; Underwrote mortgage loans insuring investor guidelines were met as well as salability of loans ; Handled all escalated issues and/or special requests from investors or insurers; Performed property inspections of delinquent homeowners to insure property preservation and securitization; Performed due diligence on non- performing loans to identify possible risk issues and/or potential fraud; Ensured quality control process and Risk Management to prevent audit findings and losses; Built and maintained positive working relationship with borrowers, realtors, sellers and third party vendors; Actively led and participated in ongoing efforts to continually improve customer service for internal and external customers.

Sr. Underwriter: June 2002 to May 2007, Confidential, Jacksonville, FL

Reviewed and examined credit, income and asset documentation to ensure soundness, business value and compliance with company and investor standards of non-conforming loans; Determined and documented loan conditions and communicated requirements and/or decisions with loan processors, loan officers and closers; Reviewed detailed historical and projected financial analysis utilizing tax returns and financial statements; Independently conducted full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications; Reviewed and analyzed special conditions, loan deficiencies and exception requests to determine appropriate courses of action.

Experience

FNMA/FHLMC & FHA underwriting, Bond Down payment Assistance Programs, Purchase/Refinance/HELOC/ HARP/New Construction, VA processing, DU/LP AUS, LPS/LIS Mortgage software, FHA Chums received in 96(retired due to inactivity) and USDA underwriting.

Certifications

Certified Notary Public; Management Effectiveness; Customer Service Administration; Business Guide to Grammar; Default Management Administration; Building on Your Abilities; Diversity Awareness; FHA Single Family Housing Lender Training.

References provided upon request.

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Underwriter Resume

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