SUMMARY

• Experienced professional Mortgage underwriter wif 4 years of experience known for strengths in risk assessment, income/credit analysis and documentation review.
• Consistently meets deadline, resolves discrepancies, and increase company's revenue.
• A deadline driven individual dat is a fast learner and uses critical analytic skills to make informed decision, wif extensive hands - on experience in Jumb0, FNMA (DU) and FHLMC (LP) Programs and systems.
• Exceptional history of evaluating complex income flow including personal and commercial tax returns.
• Analyzed and conditioned Conventional approved and manual underwritten mortgage loans.
• Mortgage underwriting experience wif both conventional and Jumbo loans.
• Excellent problem-solving, organizational, analytical, and time management aptitudes
• Passionately engage in teh mortgage industry by attending conferences and seminars, reading new mortgage publications, listening to mortgage podcast, connecting, and sharing views on mortgage underwriting wif other peers.
• Expert in compliance to teh bank loan policy wif a sensible judgement in demonstrating dat all mortgage files are underwritten and sure to close to convene teh timelines of lock expirations, purchase agreements dates or product guidelines changes.
• Proven success in acting as liaison between teh loan officers and mortgage team, listening to teh teams’ feedback, facilitating meetings, overseeing project goals, and keeping teh team members focused.
• Hands-on experience in calculating debt-to-income ratios, LTV, and income.
• Skilled in encompass an exceptional ability to grasp new concept and learn while providing excellent service.
• Proficient in encompass and exceptionally able to understand new ideas and learn fast whilst offering outstanding services.
• Possess deep knowledge and understanding of tools: Calyx Point, Encompass, Empower, DU and LP systems, MS Word, PowerPoint and Excel, SharePoint.
• Attentiveness to specifics, situational consciousness, adaptable, speedy learner wif a constructive behavior, Self-driven and ability to multitask and work in a fast-paced environment.

AREAS OF EXPERTISE

• Mortgage Underwriting Guidelines
• Mortgage Loans
• FHA loans
• Jumbo Loans
• Servant Leadership Skills
• Credit and Income analysis compliance
• Conventional and Government loans
• Debt-to-income ratio/Conforming and Non-conforming loans
• Loan closing, funding, and documentation
• Loan-to-value ratio
• Tax preparation
• Quality control
• Outlook
• Trust Management.

PROFESSIONAL EXPERIENCE

Mortgage Underwriter

Confidential, Fort Worth, Texas

Responsibilities:

• Maintain communication wif management on status of loan in process and ensure dat all mortgage loan files are underwritten in compliance wif secondary market guidelines, and regulatory requirements.
• Understanding of home loans and residential, mortgages such as FHA, VA, Conventional, USDA and loan products.
• Analyze daily mortgage pipeline to identify areas dat require intervention to expedite teh mortgage process and acts appropriately.
• Responds to and resolves any post-closing issues to ensure loan salability.
• Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets documentation, appraisal, etc. to make sure dat each loan meets secondary market, investor, and company standards.
• Perform risk assessment of credit card and collateral ensuring loan salability and sound credit quality.
• Works wif senior staff to confirm or override AUS decision based on available information. Clears conditions wifin designated authority level as outlined in credit and risk policy procedures. TEMPEffectively communicates all conditions and requirements to loan originator and processor in a timely manner.
• Provides justification and documents circumstances resulting in override decisions. Works wif senior underwriter, mortgage loan officer and loan processor to resolve outstanding questions. Complies wif all established policies and guidelines governing teh review, analysis, and processing of mortgage loan applications.
• Receive mortgage application and underwrites files as per designated limits while meeting monthly minimum turn times and KPI/productivity requirements.
• Analyze income and employment detail of teh borrower to determine teh ability of teh borrower to repay teh mortgage loan.
• Evaluate asset documentation from which teh applicant’s funds seem to be originating.

Mortgage Loan processor

Confidential, Greenbelt, MD

Responsibilities:

• Process Conventional, FHA, VA, and USDA loans from set up to submission, from condition to close.
• Review residential loan application files to verify dat application is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• Submit mortgage loan application files for underwriting approval.
• Orders FHA case numbers and tax transcripts as appropriate.
• Call specified companies to obtain property abstract, survey, and appraisals.
• Contact credit bureau, employer for verification of employment (VOE) and any other third party necessary to verify teh accuracy of information.
• Cross-reference information documented on loan application wif source document for accuracy and completeness.
• Aware of and adheres to all state and federal regulations.
• Review all information provided by borrower and ensures they meet required guidelines, policies, and procedures by running teh Automated Underwriting System such as desktop underwriter (DU) and Loan Prospector (LP)
• Mail approval and denial letters to applicants.
• Manage a pipeline of approximately 40-50 loans TEMPeffectively.