SUMMARY:

• Over 3 years of Detail oriented Mortgage Underwriter experience as Conventional Loan Underwriter, Retail loan Underwriter, and FHA Underwriter loan.
• Experience working in fast - paced Mortgage Underwriting Production Environment, with excellent communication and team player skills, excellent analytical and organizational skills.
• Ability to be a critical thinker, adaptable and to solve problems in a multitude of ways.

WORKING EXPERIENCE AND SKILLS:

Credit Reports analysis

Credit Risk Assessment

LoantoValue Ratio and Debt to-income calculation expertise.

Deep analysis of the three (4) c s (credit, capacity, capital, and collateral)

Conventional and Non Conventional Mortgage Loan.

Conforming and non conforming mortgage loan.

Fannie Mae and Freddie Mac guidelines analysis

Appraisal Review Analysis expertise.

Qualify Income calculation analysis expertise.

Cash flow analysis.

Loan closing analysis.

Ability to work with AUS (Automated Underwriter System) as Encompass

Red Flags Analysis.

PROFESSIONAL WORKING EXPERIENCE:

Confidential

Mortgage Loan Underwriter

Responsibilities:

• Underwrite conventional loan, agency and Non-agency loan, Conforming and Non-conforming Loan within the time frame.
• Review mortgage loan files via web site, CD, hard copy or Network files.
• Review underwriting guidelines to understand the necessary criteria; type of home, debt to income ration, loan to value ratio, appraisal, credit/FICO, loan purpose, document type/ level.
• Input necessary data into proprietary system based on appropriate review type, script and guideline.
• Evaluate and Review mortgage loan applications and borrower provided documentation to verify property and loan conditions meet investor, FNMA and/or FHLMC underwriting guidelines.
• Perform credit, financial and property analysis including Appraisal review for conventional loans.
• Calculate LTV, DTI, qualify income and others to support AUS finding and address condition issues if any arise by requesting additional documentation for final decision.
• Demonstrate ability to Communicate effectively with internal team members and external costumers to reach correct files decisions.
• Met production quota of 2.5 files review a day with a less than 1% error rate.

Confidential

Mortgage Loan Underwriter

Responsibilities:

• Underwrite conventional loan. Agency and Non-agency loan, Conforming and Non-conforming Loan within the time frame.
• Underwrite new loan files and all conditions within the bank define turn time to help company to maintain their turn time in good standing.
• Met production quota of 3-4 files review a day with a less than 1% error rate.
• Evaluate and Review mortgage loan applications and borrower provided documentation to verify property and loan conditions meet investor, FNMA and/or FHLMC underwriting guidelines.
• Perform credit, financial and property analysis including Appraisal review for conventional loans.
• Use DU (Desktop Underwriting) and LPA (Loan Provider Advisor) or Confidential internal underwriting engine to help make decision by following underwriting guidelines.
• Underwrite FHA/DE Mortgage Loan by following FHA underwriting guidelines and review the appraisal.
• Underwrite VA/LAPP Mortgage Loan by following VA underwriting guidelines and review the appraisal.
• Analyze tax returns (personal and business), credit and Appraisal reports for Retail Loans and Wholesale Loans.
• Identify Red Flags on Loan Application after Underwriting loan deep analysis and issue loan decisions.
• Review AUS decision while ensuring loan file reflects the correct documentation to coincide with the decision.
• Calculate LTV, DTI, qualify income and others to support AUS finding and address condition issues if any arise by requesting additional documentation for final decision.
• Demonstrate ability to Communicate effectively with internal team members and external costumers to reach correct files decisions.

Confidential

Mortgage Loan Underwriter

Responsibilities:

• Evaluate and Review mortgage loan applications and borrower provided documentation to verify property and loan conditions meet investor, FNMA and/or FHLMC underwriting guidelines.
• Reach decision based on loan evaluation analysis while ensuring completeness, compliance, accuracy, and ability to repay the loan with a minimal risk.
• Review AUS (Automated Underwriting System) decision while ensuring loan file reflects the correct documentation to coincide with the decision.
• Underwrite FHA/DE Mortgage Loan by following FHA underwriting guidelines and review the appraisal.
• Underwrite VA/LAPP Mortgage Loan by following VA underwriting guidelines and review the appraisal.
• Underwrite new loan files and all conditions within the bank define turn time to help company to maintain their turn time in good standing.
• Perform credit, financial and property analysis including Appraisal Review for conventional loans.
• Use DU (Desktop Underwriting) and LPA (Loan Provider Advisor) or internal Banking underwriting engine to help make decision by following underwriting guidelines.
• Analyze tax returns (personal and business), credit and Appraisal reports for Retail Loans and Wholesale Loans.
• Identify Red Flags on Loan Application after Underwriting loan deep analysis and issue loan decisions.
• Review AUS decision while ensuring loan file reflects the correct documentation to coincide with the decision.
• Met production quota of 3-4 reviews a day with a less than 1% error rate.
• Calculate LTV, DTI, qualify income and others to support AUS finding and address condition issues if any arise by requesting additional documentation for final decision.
• Demonstrate ability to Communicate effectively with internal team members and external costumers to reach correct files decisions.