SUMMARY

• I possess 19 years in the mortgage industry; 15 of which have been in underwriting. Strong underwriting skills
• Experience in FHLMC and FNMA, FHA, and proficient at underwriting VA loans.
• I have an active FHA DE/CHUMS and SAR/LAPP. Outstanding in the ability to get a loan to approve while working within guidelines.
• Strong analytical, problem solving skills and a commitment to integrity. Excellent understanding of underwriting guidelines.
• Outstanding in calculating income and complex tax returns. Excellent in analyzing credit risk and great understanding of asset statements.
• I enjoy working with people and work well with peers/management. Remote experience.

TECHNICAL SKILLS

• Calyx point loan handler
• Windows XP
• Excel
• CPI
• LPS
• ERLMF
• IHM
• UniFi
• Cadence
• .NET
• Encompass
• Loan Beam

PROFESSIONAL EXPERIENCE

Confidential

Sr Underwriter

Responsibilities:

• Utilizes Confidential ’s Desktop Underwriter to determine loan eligibility for sale to Confidential, as appropriate
• Ensures all file documentation requirements are met
• Manufactured homes and new construction
• Underwrites loan files through a review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames as determined by management. Review of self - employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income. Able to apply Uniform and Industry standard Underwriting principals to arrive at accurate decisions
• Have a full working knowledge of Appendix Q and ability to repay (ATR) and understand the difference between QM and Non-QM as it applies to underwriting
• Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount
• Identify common errors and report via loan origination system- UNIFI that compiles data for trainers and Regional and Area Sales Managers
• Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and HOAs. Seeks formal legal opinions when/if required
• Reviews and corrects potential problems in loan processing files (credit history, nonconforming appraisals, files not adhering to guidelines, etc.)
• Gathers information in order to solve problems and make decisions through phone contact to managers, BOTW Mortgage Bankers, or others as needed
• Performs all other duties as assigned by their manager

Confidential

Sr Underwriter

Responsibilities:

• Perform mortgage credit analysis, with or without the assistance of an automated underwriting system todetermine borrowers’ willingness and ability to repay the mortgage debt
• Predominant Manual Underwrites due to borrower’s solicited by employer
• Knowledge of FNMA, and FMLMC documentation
• Review and validate:income, asset, credit, title, and appraisal/FNMA CU review/NOV
• FHA Appraisal review required/FHA Connection Appraisal Logging
• Review all loans to ensure that they meet guideline requirements as well as company overlays
• Ensure government required documents are complete and accurate as well as purchase contracts
• Run and review quality control tools - Mavent/Data Verify/Fraud Guard/Early Check
• Run, review and interpret Desktop Underwriting and Loan Prospect and DO
• Underwriters are responsible for data integrity, documentation. MI certs ordered by processors however, I have experience in ordering delegated MI review/Certs
• Approve/deny loans and update the system accordingly with comments.
• Re-subs, Denials and suggestions regarding the restructure of loans that don’t meet the product the LO has assigned
• Able to evaluate and analyze complex income tax returns to establish qualifying income/liquidity qualification
• Answer and research general underwriting scenario and guideline questions via email and phone
• Complete all required underwriting, worksheet and checklists that are required for investor

Confidential

Underwriter III (Sr)

Responsibilities:

• Perform mortgage credit analysis, with or without the assistance of an automated underwriting system todetermine borrowers’ willingness and ability to repay the mortgage debt
• Predominant Manual Underwrites due to borrower’s solicited by employer
• Knowledge of FNMA, and FMLMC documentation
• Review and validate:income, asset, credit, title, and appraisal
• FHA Appraisal review required on 75% of all files/FHA Connection Appraisal Logging Order MI
• Review all loans to ensure that they meet guideline requirements as well as company overlays
• Ensure government required documents are complete and accurate as well as purchase contracts
• Run and review quality control tools - Mavent/Data Verify
• Run, review and interpret Desktop Underwriting and Loan Prospect and DO
• Underwriters are responsible for data integrity, documentation, ordering MI Certificates
• Approve/deny loans and update the system accordingly with comments.
• Re-subs, Denials and the restructure of loans
• Able to evaluate and analyze complex income tax returns to establish qualifying income

Confidential

Underwriter III (Sr)

Responsibilities:

• Perform mortgage credit analysis, with or without the assistance of an automated underwriting system todetermine borrowers’ willingness and ability to repay the mortgage debt
• Knowledge of FNMA, and FMLMC documentation
• Review and validate:income, asset, credit, title, and appraisal
• Review all loans to ensure that they meet guideline requirements as well as company numerous overlays
• Ensure government required documents are complete and accurate
• Run and review quality control tools - Fraud Guard
• Run, review and interpret Desktop Underwriting and Loan Prospect
• Ensure system data integrity
• Review MI based on loan program. Ensure that system of record matches MI certificate
• Approve/deny loans and update the system accordingly with comments
• Able to evaluate and analyze complex income tax returns to establish qualifying income
• Answer and research general underwriting scenario and guideline questions via email and phone

Confidential

Sr VA Underwriter/Conventional

Responsibilities:

• Responsible for analyzing complex files with determining status for approval.
• Verify VA Eligibility and Entitlement, VA specific Initial Disclosures have been fully executed
• Determine VA Guaranty amount, knowledge of all VA documentation required for VA loans
• Verify type of income, to include active and inactive Veteran status and income; able to read/decipher LES codes
• Underwriting of credit to include analyzing credit worthiness and adding debt of non-borrowing spouse
• Underwriting included purchase and refinance loans, VA IRRRLs and Conventional products including Jumbo loans
• Appraisal Reviews and sign off on NOV conditions only
• System Material Expert on floor when Cadence rolled out as our new LOS system; Cadence. Responsible for assisting and helped train other Underwriters
• Received numerous awards and accolades.