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Professional SummaryMortgage underwriter know. For strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages. Comprehensive knowledge of underwriting guidelines and restrictions for Conventional and Government insured loan programs for both conforming and nonconforming mortgages. Core QualificationsLending & Underwriting guidelinesCredit & Income analysisCash flow analysis with assessmenLoan-to-value ratio'sDebt to income ratio'sConventional and Government MortgagesLoan closing funding and documentationUsed Encompass, Genesis, GUS, VA Portal, FHAConnection, many lenders private underwriting systems. Paperless for last 7 to 9 years.ExperienceUnderwriterDecember 2017 to October 2018Peoples Mortgage Company NMLS 6274 - Tempe, AZI was on the NonStandard team and I underwrote DPA (down payment assistance) loans as FHA/ VA/ Conventional and USDA. I handled all MFH and USDA loans as well. Senior UnderwriterMay 2017 to October 2017Bank of the West - Tempe, AZI underwrote FHA and Conventional home loans and Jumbo loan per Bank of the West guidelines Senior DE UnderwriterJune 2016 to May 2017On Q Financial - Gilbert, AZUnderwrote FHA/ Conventional purchase and refinance mortgages. Special Team UWSeptember 2015 to April 2016I Mortgage Company - Scottsdale, AZI was on the Special Team underwritIng all MFH and Renovatiop loans for purchasea and refinances. January 2014 to September 2015Medical leaveOff work due to surgery complicationsUnderwriterJune 2013 to March 2014Universal American Mortgage Co - Tempe, AZUnderwrote FHA/ Conventional Builder construction loans for Lennar Homes and additional purchase loans.SR UnderwriterJuly 2012 to August 2013Amerifirst Financial, Inc. - Mesa, AZHired to assist underwriting manager to set up and start a 203K Renovation dept. Underwrote all FHA 203 K loans for lender.Underwriter45 N Mondel Dr, Gilbert AZ 85233Home: PHONE NUMBER AVAILABLE - EMAIL AVAILABLESeptember 2008 to April 2012Wells Fargo Home Loans - Tempe, AZUnderwrote FHA and Conventional Renovation loans on team of Renovation underwriters. Assist processing and assisted in training Renovation underwriters. Education1979Glenoak High School - Canton, OH