PROFESSIONAL SUMMARY:

• A highly committed, team player, motivated and experienced Mortgage Underwriter with a solid background in the insurance industry with strong analytical, research, and statistical skills.
• I have experience working in the real estate, mortgage and financial services industry with an expertise in reviewing and processing extensive applications and supporting documentation
• I have imperative first - hand knowledge in risk assessment, record keeping, maintaining of consistent pipelines, timely delivery turnarounds and quality decision-making abilities.
• I have a consistent performance record of exceeding expectations and working with others to achieve set objectives. I have great experience in USDA, FHA, Frontline conventional Loans, Prime/Sub-Prime, Fannie Mae
• Freddie Mac, VA, JUMBO Loans, Credit Risk, Income Assessment, Appraisals, Risk Analysis, and Mortgage Underwriting.

TECHNICAL SKILLS:

• FNMA Guidelines, FraudGuard
• Debt-to Equity Ratios, FHLMC Guidelines
• Encompass, Ms Office Suite, Desktop
• Underwriter, UniFI Loan Operating Sytem
• VA Portal, RealEC

PROFESSIONAL EXPERIENCE:

Mortgage Underwriter

Confidential, Atlanta, GA

Responsibilities:

• Communicate with brokers on deficiencies and review documents submitted to correct deficiencies in order to ensure they are enough and accurate, based on NPF requirements
• Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
• Achieved the second-highest loan-funding rate among a 14-member underwriting team.
• Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting FHA, VA and Conventional loans.
• Pay attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity.
• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• No investor kickbacks throughout the whole tenure
• Applied grades to each loan application based on established criteria to keep institutional risk low.
• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Communicate loans decisions to clients/internal departments in a timely manner.
• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
• Reviewed and edited loan agreements to promote efficiency and accuracy.
• Extensive knowledge of Conventional, MHA, FHA loan products and programs

Mortgage Underwriter

Confidential, Atlanta, GA

Responsibilities:

• Evaluated carefully borrower’s documentation in order to provide skilled decision. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports etc.
• Uses background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed Bank guidelines when warranted
• Financial Analysis - Accurately determines the financial condition of the applicant(s)
• Assess and Evaluate risk, review collateral and make appropriate loan decisions based on underwriting guidelines, information and documentation provided.
• Evaluates borrower’s credit and capacity to repay the requested loan
• Successfully delivered a pipeline of an average of 60 loans per month.
• Trained junior team members in underwriting procedures and loan quality grading standards.
• Assist in correction of Delivery Violations and government insuring deficiencies on specific files as required
• Approve or reject residential loans within limited authority
• Extensive knowledge in FNMA & FHLMC guidelines resulting in 100% accuracy on all

Junior Underwriter

Confidential, New York, NY

Responsibilities:

• Approve or reject residential loans within limited authority
• Consult with the closing department to ensure that all underwriting conditions are met prior to closing the loan
• Collect and analyze credit reports, financial statements, and appraisals
• Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount approved
• Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and HOAs. Seeks formal legal opinions if needed
• Gathers information in order to solve problems and make decisions through phone contact to managers, loan originators, government agencies, realtors, and borrowers
• Assists in the development and of loan production personnel, loan closers, and set-up employees
• Complete “third party” fraud report and address any high impact alerts.
• Work cohesively with Correspondents, Sales Executives, Purchase auditors and Operation Sales Liaison.
• Signing authority up to $650,000.