Consumer Loan Underwriter Resume

SUMMARY

Business professional offering over 15 years’ experience in the Mortgage industry in various capacities including prefund/post fund Quality Review, Compliance, Underwriting, Processing, Leadership, Loss Mitigation Loan Operations with 2 years’ experience as a small business loan underwriter working with Confidential .

PROFESSIONAL EXPERIENCE

Confidential

Consumer Loan Underwriter

Responsibilities:

Reviewed mortgage loan applications for Home Equity Lines of Credit (HELOCS) with lending Authority up to $500K
Calculated Income, reviewed asset documentation, title, appraisals, decision write ups

Quality Reviewer/Prefund Examiner

Confidential

Responsibilities:

Experience as aloan review analyst utilizing the methodology given to me by management on average 5 - 9 loans per day by re-underwriting the loans.
Review Titles, Appraisals and special exceptions
Coached mortgage underwriters, Managers and closers on deficiencies and ratings
Fannie/Freddie, Conforming Quality Assurance requirements
Ability to identify and calculate underlying mortgage requirements for Co-ops
Awards for QIS Top 20, Shared Success and Service Excellence Nomination

Confidential

Contract Non-Conforming Underwriter/Reviewer

Responsibilities:

Experience as aloan review analyst and underwriter for high net wealth clients. Lending authority-$3mil.
Final auditing of loans for compliance, RESPA, AML, OFAC, ECOA, HMDA, FCRA, RESPA, TRID, REG B, High cost, Tangible benefit, Fair lending laws, Federal and State requirements, and Dodd Frank review, Appendix Q income and debt requirements, self-employed income analysis, Cash flow analysis
Ability to identify and calculate Condominium and Co-Op requirements with thorough review of bi-laws, financials, bank exposure, flip-tax, and underlying mortgage requirements.

Confidential

Team Lead Processor/Underwriter

Responsibilities:

Handled a continuing pipeline of 30+ loans per month, closed up to 21+ loans per month.
Assisted management with training and assisting other processors with various different tasks including explaining the correct documentation needed to the borrowers, training on new policies and procedures, loan delegation and loan submission .Lending authority- $1mil
Reviewed files for submission, outstanding conditions on DU/LP, reviewed title, followed up on outstanding conditions including self-employed borrowers with extensive tax returns.
Organized closings, reviewed loans before going into quality review to ensure that there were no deficiencies; spoke with the borrowers on any information needed.
Worked with loan officers to ensure the loans were closed in a timely manner