MORTGAGE UNDERWRITER Resume Houston, TEXAS - Hire IT People

SUMMARY

Hard working and self - motivated Mortgage underwriter with 4 years of hands-on experience in Conventional, Jumbo, FHA, VA, USDA, and Jumbo loans.
Underwriting to the guideline of Fannie Mae and Freddie MAC and company overlays.
An expert in income calculation, appraisal review, title report review with excellent customer service skills, pay attention to details and good in communication.
Coming in to ensure the company archive her goals and objectives.

TECHNICAL SKILLS

PROFESSIONAL EXPERIENCE

Confidential, Houston, TEXAS

MORTGAGE UNDERWRITER

Responsibilities:

Manual and Automated Underwriting confirming and non-confirming loans.
Evaluate loan documentation to approve or deny the loan.
Approve Mortgage’s loan application based on the Freddie Mac or Fannie Mae Guidelines.
Analyze credit reports, income documentation, assets, liabilities, property appraisals, and title reports to insure loans meet company standards for sale into secondary market.
Communicate all mortgage loan guidelines to customers, loan processors, brokers, and sales associates.
Working noledge of FHA, Fannie Mae, Freddie Mac, USDA, and VA guidelines as well as investor overlay.
Effectively utilize lending guidelines to assess loan risk and eligibility.
Review and analyze applications with additional documentations for loan approval.
Review all information on the credit report and compare to the information submitted as part of the application process.
Organize, compile, and analyze financial data and input financials into LOS.
Underwrite residential mortgage loans in accordance with Jumbo, FNMA, FHA, and VA internal guidelines ensuring compliance with company.
Hands on experience with various fraud tools such as fraud guard and data verified also having hands on experience in compliance tools such as Mavent.
Make sure the appraisal meets the investor guidelines and supports value.
Experienced in income calculation for W2 Wage earners and self-employed borrowers.