Underwriter and Processor Resume Miami, FL - Hire IT People

Summary of Qualifications

Interview loan applicants to elicit information; investigate applicants\' backgrounds and verify references; prepare loan request papers; and forward findings, reports, and documents to underwriting department.
Review loan papers to ensure completeness, and complete transactions between loan establishment, borrowers, and sellers upon approval of loan.
Unmatchable communication and negotiation skills.
Excellent presentation and a pleasant manner.
Uncommon ability to network effectively.
Highly self motivated.
Remarkable organizational skills and attention to detail.
Excellent interpersonal and listening skills.
Exceptional ability to work independently and as a part of a team.

Experience

Underwriter Conventional and Sub-Prime Mortgages
Responsible for a daily pipeline of mortgage real-estate applications for review of approval, declines or counter offers. Loan types included Conventional and Sub-Prime products both purchase and refinance.
Direct contact with loan applicants in order to obtain personal and financial data, and to assist in completing applications.
Analyze applicants\' financial status, credit, and property evaluations to determine feasibility of granting loans.
Debt to income ratio analysis, credit report reviews, combine loan to value calculations, exception clearing as per mitigating factors, counter offer review and processing, vendor ordering and title and appraisal reviews.
Review of loan applicants\' credit histories, personal and corporate tax returns and financial statements, P&L statements and other financial information.
Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
Review loan agreements to ensure that they are complete and accurate according to policy.
Comply with bank policies and federal regulations
Ensure customer loyalty from inception of the loan process to post closing

Work History

Loan Processor,Confidential (contractor) Jacksonville, Florida,10/2010 – 01/2011

Owner/ Underwriter,Confidential, Miami, Florida,07/2005 – 12/008

Underwriter and Processor,Confidential�Miami, Florida,02/2008 – 10/2009

Loan Processor / Loan Originator,Confidential�Miami, Florida,02/2003 – 01/2008

Education

High School Diploma

Confidential High School

Technical Experience

Proficient in the following applications:Microsoft Office Suite 2007: Word, Excel, Power Point, Outlook