SUMMARY OF QUALIFICATIONS: Professional with twenty years experience in the industry with expertise in the following areas: (FHLMC/FNMA, Desktop Underwriter, Loan Prospector & Manual), QC Underwriting (FHA/VA/FNMA/FHLMC), Due Diligence Underwriting, Quality Control Audits, Mortgage Fraud Detection, Securitization Audits, Closing, Post Closing, Legal Document Review, Final Document Control Loan Processing and Loan Originations.

PROFESSIONAL EXPERIENCE

Confidential/ Underwriting Anlayst 10/2012-present

• Verify presence, accuracy, and completeness of credit, appraisal, income and asset documentation in addition to legal and regulatory compliance documents. Analyze and interpret documentation
• Identify excessive risk fraud or misrepresentation in a mortgage loan transaction comparing critical documents and using third party resources
• Exhibit flexibility to underwrite and evaluate compliance to seller and servicer guidelines
• Recognize credit exceptions and if appropriate list compensating factors to mitigate risk

Confidential/ Treliant Risk Advisors FHA Compliance Auditor/ File Review08/2012-09/2012

• Conduct investigations on non-performing and REO loans for the purpose of identifying repurchase recourse to third party originators and sellers that will result in credit loss avoidance.
• Review potential repurchase referrals from other departments. Identify referral that are eligible for repurchase
• Review investigations performed by external vendors and other referring parties. Identify referrals that are eligible repurchase situations. Through additional research convert as many of the other referrals to repurchase situations as possible.
• Identify institutional fraud cases involving multiple loans. Through this effort refer as many of these loans for repurchase or alternative resolution as possible.
• Perform additional responsibilities as needed to meet departmental objectives

Confidential/ Business Analyst II/ File Reviewer 04/2012- 08/2012

• Thorough knowledge and understanding of compliance and regulatory requirements applicable to consumer lending, mortgage banking and servicing laws and other mortgage related laws and regulations, including but not limited to:
  Federal regulations, laws and programs (TILA, RESPA, ECOA, FDCPA, FCRA, 
  FACTA, FHA/VA
• Knowledge of nationwide state mortgage lending laws and procedures
• Ensure corporate advance balances are clear within the appropriate time line
• Provides reports to management within mortgage servicing as requested using data available in MSP
• Research disbursement, deposits and adjustments in workstation
• Review and respond accurately to audit reviews
• Identify potential financial risk with Mortgage servicing
• Estimate the main property and financial power and credit worthiness of the borrowers
• Have authorization to grant loan of up to $500,000 based on certification necessities of secondary market
• Serve as a consultant and answer basic underwriting questions for loan processors

Confidential/ Foreclosure File Reviewer (Auditor) 10/2011– 04/2012

• Evaluated foreclosed loans to determine if all required loss mitigation activities were handled and documented in accordance with e the requirements of HAMP, proprietary modification or other programs requirements
• Review files to determine any errors, misrepresentation or other deficiencies may be indentify in the foreclosure that my resulted in financial injury to the borrower or mortgagee
• Conduct a complete review of the foreclosure file to ensure all default timeframes were processed accurately.
• Review to determine if ownership of the note and mortgage was properly documented when foreclosure was initiated and document any exceptions
• Determine if the foreclosure processed in accordance with applicable state and federal laws, to include SCRA and US Bankruptcy Codes

Confidential/Remote underwriter 04/2011-10/2011

• Underwrite residential mortgage loans in accordance with FNMA/FHLC guidelines.
• input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines, and OES.
• Review of credit reports to determine credit patterns, current liabilities, outstanding judgments and collections. Review of residential mortgage appraisal forms 1004, 2055, 2065, 2075, 1025, 1073, 2000, and AVM’s. Calculation of Loan to Value ratios.
• Analyze income from salaried, commissioned, self-employed, investments, fixed income sources. Conducted post purchase risk assessment review of defaulted mortgage loans with an emphasis on determining material findings and loan eligibility according to Fannie Mae\'s Selling Guide as defined by contracts with Fannie Mae\'s lender partners. Assessed pre purchase risk regarding deficiencies identified during the review process and recorded all findings and review conclusions in QAS (Quality Assurance System).

Confidential, Sr. Modification Underwriter 04/2011-09/2011

• Loss Mitigation and Mortgage Default Specialist with extensive experience overseeing loan modifications, resolving executive level complaints from OCC, Treasury and Congressional Offices and providing customer issue resolution. Assists in the control of company expenses related to foreclosure and the repossession of collateral through the use of pre-foreclosure sale, loan modification and repayment plans
• Knowledge of loss mitigation, workouts and loan modification process
• Extensive Experience Handling High Volume Calls on Dialer
• Expert Negotiation Skills and Experience “Curing" accounts
• Familiarity with Dodd-Frank and the Mortgage Regulatory Climate
• Familiarity with FDCPA and State compliance guidelines

Confidential, Underwriter/ Auditor 01/2011-04/2011

• Due diligence audit underwriting, portfolio analysis and compliance review
• Adhere to client/lender policies and procedures, in addition to federal, state, and/or municipal laws and regulations within the due diligence process
• Identify portfolio risk resulting from client’s underlying business practices, underwriting and fraud Compare the last valid GFE used against the final signed HUD-1
• Render approval/decline decision on incoming application consistent with internal and insurer policies
• Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process on each mortgage application
• Apply internal guidelines and insurer guideline to credit decision process
• Select required conditions on each deal to be satisfied
• Review documentation for compliance with internal and regulatory guidelines

Confidential, Independent insurance Agent 11/2009 – 03/2011

• Call on policyholders to deliver and explain policy, to analyze insurance program.
• Confer with clients to obtain and provide information when claims are made on a policy.
• Customize insurance programs to suit individual customers, often covering a variety of risks.

Confidential Underwriter 06/2009 – 10/2009

• Underwriting (income/assets, credit, appraisals, title commitments, VOE) along with providing inconclusive/ conclusive evidence to Fannie Mae in the QAS summary report.
• Cleared underwriting conditions. Submitted through Desktop Underwriter (DU), Loan Prospector (LP)
• Analyzing third party reports. Reviews and reporting exceptions to Fannie Mae.
• Reporting fraud i.e. (income/asset misrepresentation, undisclosed mortgages, occupancy misrepresentation) along with providing evidentiary documentation to Fannie Mae.

Confidential, Administrative Assistant07/2008-03/2009

• Provided a full range of administrative, clerical and office support
• Open, sort and distribute incoming correspondence, including faxes and email
• Perform general office duties such as ordering supplies, maintaining records and managing incoming workflow

Confidential, Branch Manager 03/2007-07/2008

• Ensure the institution policy and procedures are followed according to established guidelines.
• Network to develop business relations, promote the sale of loans
• Submission of files through AUS and manual underwrite
• monitor compliance guidelines on all FNMA, Freddie Mac, VA, FHA investor and PMI loans

Confidential, Underwriter 08/2006-01/2007

• Review and analyze loan transaction packages for preliminary approval or denial
• Underwrites mortgage loans ensuring compliance with secondary market investor standards
• Evaluate loans in order to maximize organizational profit and minimize risk or loss.
• Examines loan documentation for accuracy and completeness

Confidential, Underwriter05/1995-07/2006

• Analyze employment profile, credit strength, property characteristics, and all other pertinent to the credit decision and credit grading
• Validating AUS (DU, LP, Clues, Zippy) findings and exceptions
• Reporting fraud (income/asset misrepresentation, value inflation, straw-buyers, non-arms- length transactions)
• FNMA/FHLC knowledge.
• Performed loan underwriting on Conform and Non-Conforming Loans.
• A, Alt A and Subprime experience.
• Ability to multitask workload in a fast-pace environment.
• Provide informational support and mentoring to processors and closers concerning program guidelines and procedures.
• Trained and Mentored New Contract Underwriter.
• Recognized as a resource person, problem solver, trouble shooter.
• Wholesale and Retail assignments
• 1st and 2nd mortgages
• Underwrote to investor’s programs: SISA, SIVA, NO DOC, NO RATIO and FULL DOC. Investor’s included, Countrywide, Wells Fargo, Chase, Green Point, Aurora and EMC and including other investor’s.

EDUCATION Confidential University, Bachelors/Business Management