Finance Underwriter/Credit Portfolio Manager Resume

CAREER OBJECTIVE:

A highly motivated, independent professional with extensive credit, finance, real estate, sales, and mortgage product knowledge, with more than 25 years of accomplished skills and experience, seeks a career with a stable organization which enables me to utilize my creativity, vast selling skills, leadership, diversified knowledge, and experience.

PROFESSIONAL EXPERIENCE:

Confidential

Finance Underwriter/Credit Portfolio Manager

Responsibilities:

Assist customers with the entire car buying experience to assure a positive experience to include review of required income documentation and credit report, make final loan decision, obtaining insurance, process registration and tags with DMV, and multiple closings. Checking daily inventory to assure front line ready, support general sales manager with day - to-day operations, backup sales staff, and aid service and collection departments with down payments and repossession process to assure monthly goals.

Confidential

Loan Processor II /Construction Loan Processor

Responsibilities:

As a loan processor, my responsibilities included all aspects of processing FHA, VA, conventional, purchase, and refinance loans for Employee and Private Wealth clients. I was assigned to focusing attention for high profile clients and providing daily updates to assure excellent communication and superior customer service to clients. I prepared file for underwriting, closing, satisfying all underwriting conditions, review documents for compliance audits, and ensured timely closings. As a construction loan processor: processed complex construction loans for the purpose of new construction, rehabilitation, renovation/teardown for primary residence, second homes, and investment properties. I submitted files to underwriting, satisfied all underwriting conditions for closings, obtained builder plans, ordered and monitored entire construction process, maintained timely inspections and reviewed appraisals.

Confidential

Senior Loan Officer

Responsibilities:

As a Loan Originator, Loan Officer and Mortgage Specialist: I originated, structured purchase, refinance, Reverse mortgages, and new construction loans. In addition, developed and utilized business relationships with realtors, builders, and other loan capturing sources. I conducted face to face and telephone applicant interviews and maintained customer data bases. In the initial application stage, gathered required documentation, reviewed credit bureaus, verified and consulted on loan fees and closing costs. During the loan process, I analyzed and submitted files to underwriting, reviewed mortgage documentation, such as: credit reports, paystubs, tax returns, equity evaluations, Good Faith Estimates, Truth-In-Lending Disclosures, and HUD Settlement Statements, etc, to ensure Regulatory Compliance and adhere to changing investor guidelines and follow the loan process to assure timely transaction deadlines. In addition, watched market trends to assure best possible loan rate and loan terms for my customers.

Confidential

Underwriting Auditor

Responsibilities:

Prepared loans for sale on the secondary market; Certification and Verification of all documentation using various website: i.e. State Corporation Commission, Regulatory and Licensing Boards and County and State Records