PROFESSIONAL EXPERIENCE:

Confidential

Mortgage Underwriter

Responsibilities:

• System approval this also assisted on developing, investigating, and recommending loan process flow improvements. Reviewed and evaluated both credit packages, appraisal Title and Surveys to determine credit worthiness and compliance.
• Determined appropriate recommendations subject to management and underwriting guidelines. Reviewed, evaluated, and synthesized data to ascertain loan viability and identify risk issues and potential fraud. Independently performed financial analysis on borrowers and assisted in identifying, recommending, and negotiating alternative loan requirements, funding loan - structuring solutions and addressed loan officers, processors and mortgage brokers questions regarding loan conditions and programs.
• Maintained current knowledge of market conditions and company lending guidelines. Reviewed and underwrite appraisals in accordance with investor. Evaluated property related
• Fraud Alert Flags to clear or document accordingly by reviewing and decisioning appraisals in accordance with investor and PMI guidelines and reviewed added and cleared conditions related to collateral.
• Responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating transitions to certain accuracy, performing fraud detection techniques, report preparation

Confidential

Mortgage Underwriter

Responsibilities:

• Performed quarterly review on all the key controls in the financial institution by conducting IT auditing on Information Technology Controls and Change management Control on the organization applications and infrastructures.
• Approved and rejects loans according to bank, investor, and government agency guidelines. Reviews and understands all loan programs, policies, and procedures to ensure regulations of the bank, investors, and government agencies are satisfied.
• Thoroughly examines title reports and loan documentation to ensure accuracy and completeness. Verifies closing conditions are satisfied per bank or secondary market requirements. Responds to post closing and audit reviews in a timely manner.
• Maintains an activity log and provides monthly reports to management. Maintains current knowledge of the mortgage origination process and technology. Independently conducted full and comprehensive evaluations of a variety of complex, high - risk mortgage loan applications.
• Built strong relationships with brokers and account managers to answer any underwriting questions. re-negotiation of loans, compliance review administration, providing performance feedback, communicating with customers.

Confidential

Mortgage Processor

Responsibilities:

• Provide support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages. Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.
• Ensure compliance with company policies, underwriting guidelines and lending - program requirements and Performed other duties as may be assigned.
• Ensures loans are processed in accordance with established guidelines and Truth and Lending rules/regulations. Coordinates mortgage loan closings Prepares opening packages and disclosures in a timely fashion. After settlement, reviews, and audits property loans, ensuring final title policy and endorsement is received and lien is correct. Order title insurance, flood and tax s and surveys, reviewing for problems upon receipt. Ensures accurate printing of preliminary real estate loan documents.
• Ensure image documentation is complete and in good order (scanning/indexing) Sent loan applications having complete details to Loan Officer through electronic media. Interacted with members to receive, send, and coordinate Mortgage Documentation correspondence and documents.

Confidential

Regional Support Technician

Responsibilities:

• Primary point of contact for all audio/visual equipment in conference rooms at One Destiny. Computer deployments - I was responsible for the deployment of new hire laptops or desktops, which includes being able to install all the required software depending on which
• Business Unit they were joining. Primary point of contact for all rooms (One Destiny)- Working closely with facilitators to ensure all room desktops are up to date and in working order before all sessions.
• Working assigned tickets in a timely manner to meet SLA's. Windows 7 migration using SCCM and in-house tools to back up and restore user data

Confidential

Systems/Technical Support- Tier

Responsibilities:

• Placed Orders, Amends, push failed orders in Ordering Management System (OMS) and escalates them as needed. Uses sophisticated test systems to verify and determine faults in networked and CPE (Customer Premises equipment) Interact and communicate with users of varying levels of expertise, customers and outside vendors Poses Knowledge of company procedures and ability to exercise good judgment in making decisionss
• Specialized Team-Proactive Trouble Resolution The team's main goal was to proactively work on various projects that mainly entailed on running extensive quality tests on network performance and working with either First Mile
• Technician'sor Field technicians in determining possible causes of line faults/ line failures and then resolving the issue(s).