Underwriter Auditor Resume

Education:
Palo Duro H.S 1995 TO 1996 Honors Diploma
Amarillo Jr College 1998 to 1998 College Basic Courses

Skills:
FNMA Underwriting, Travel Mortgage Consultant, Mortgage Serve, Fannie Mae Systems, PMI, Mortgage Backed Securities, MSP, Investor Reporting, AS400, Automated Property System, REO/TRAX, FMIS.

Confidential�
11/2010 to 8/2012
Credit Review Travel Consultant
Travelled with the company as a consultant.
Assisted on special projects of reinstating mortgage insurance and closing reviews that met Investor guidelines.Underwriting (income/assets, appraisals, title commitments, credit, calculating DTI ratios and LTVs/ CLTVs Validating all AUS (DU, LP) findings and ensuring accuracy and administering sound judgment. Approving or declining loans with a level 2C loan approval authority
. Performed risk analysis and make decision regarding deficiencies identified during the review process. Identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified.Appealed mortgage insurance rescissions and denials of primary insurance claims on defaulted loans for mortgage lenders.Addressed the mortgage insurance companies, Radian, Triad, PMI, Genworth, and RMIC, of the concerns and claims on the subject loan /property.Conducted forensic research using DataVerify, Real Quest, Lexis Nexis and PACER.

Confidential
3/2008 to 11/2010
Underwriter Auditor
Initial decision on refinancing of home mortgages
Underwriting (income/assets, appraisals, title commitments, credit, calculating DTI ratios and LTVs/ CLTVs Validating all AUS (DU, LP) findings and ensuring accuracy and administering sound judgment Approving or declining loans with a level 2C loan approval authority
Ensuring all loans were underwritten to company/investor guidelines
Utilizing quality control tools i.e. (Ncyclopedia, Omni, Wage Earner, RUA)
Use of Fannie Maes other operating systems to verify loss amounts or repayments received: Accounting system (Falcon), Investor Reporting (SIR), Credit Loss Management System (CLMS) Deal Factory/Tracker for bulk deals, and SharePoint for contracts and variances for the different loan programs.

Confidential
8/2005 to 12/2007
Mortgage Underwriter
Worked as a mortgage Underwriter for residential and commercial loans.
Manually calculated income, reviewed appraisals, BPO’s AVM. Reviewed tax returns, bank statements, and profit and loss statements.Made sure that all approvals were within Investor guidelines. Audited loans, mitigated loss for the company. Completed a thorough analysis of approved files.Reviewed conditions on suspended files.Communicated the loan decision to both parties within a timely fashion.
Addressed the mortgage insurance companies, Radian, Triad, PMI, Genworth, and RMIC, of the concerns and claims on the subject loan /property.Conducted forensic research using DataVerify, Real Quest. Lexis Nexis, PACER, and other tools to gather forensic evidence pertaining to the subject loan /property to refute the mortgage insurance companies.

We provide IT Staff Augmentation Services!

We'd love your feedback!

Resume Categories

Client Services

Job Seekers

Visa Sponsorship