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Click here or scroll down to respond to this candidateCandidate's Name
Street Address NW Broadshire LaneBANKS, OR Street Address
PHONE NUMBER AVAILABLE EMAIL AVAILABLE LINKEDIN LINK AVAILABLESUMMARYDetail-oriented Mortgage Underwriter with 16 years of Mortgage ExperienceFriendly, loyal and clearly dedicated individual who has ambition to succeed in any given environment. Results-focused, quality-driven professional with extensive experience in mortgage, banking, financial, customer service skills, collections demonstrating consistent achievement of objectives, strong multi-tasking and service skill, and organizational goals. Advanced presentation and relationship development abilities, with track records of success improvement customer relations to ensure profit turnarounds.KEY COMPETENCIESMortgage Loan Workout, Loss Mitigation, Production goals. Client Relationships. Risk/Loss Mitigation. Mortgage Underwriting. Review Appraisals. Business Develop. Financial Analysis. Certified Spanish Interpreter. Project Implementation. Negotiations. Due Diligences. Research/Analysis. Conventional Loans.PROFESSIONAL EXPERIENCEMr. Cooper (Formerly IBM/Seterus) December 2006 - PresentInitially hired with Wilshire Credit Corporation /Merrill Lynch which was then sold to Bank of America in 2007. In 2010 Bank of America sold the company to IBM with a sub name of Seterus. In 2018, Mr. Cooper purchased IBM/Seterus.Loss Mitigation Underwriter/Loss Mitigation Officer/Deal Structure OfficerReview, evaluate and make risk decisions on conventional conforming loansReviewed related documents such as appraisalsMinimizes loss due to foreclosure by loss mitigation options, such as pre-foreclosure sales, conventional loan modifications and repayment plansHandles delinquent products and accounts, as governed by investor, departmental and legal guidelinesEnsures that files and paperwork are properly and accurately completedContacts outside parties to collect or clarify documentationArranges for contractual services relating to property inspections, appraisers, real estate agents, etc., who may be involved in the inspection or evaluation of the propertyReviews title searches to ensure that no title issues threaten the standing of our investor's lien on the propertyOpened and prepared loan files, entering update borrower data, obtaining mortgage loan documentation as required by findings, reviewing loan applications to clarify and obtain additional information, and reviewing and calculating income, assets and liabilities. Analyze credit based on submitted customer documents, and recommended approval.Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines.Conduct Verification of Income (VOI).Calculate customer's front and back-end debt to income ratio.Verify occupancy, hardship and income.Apply payment waterfall to determine HAMP eligibility (rate reduction, term extension, deferred principal)Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.).Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines.Document final decision and update system of record.Perform other duties as assigned.Bank of America Mortgage Mortgage Underwriter (short-term project) April 2010 - October 2010Worked 6 months temporary on the mortgage residential underwriting department. Underwrites large or more difficult/complex residential loans ensuring compliance with appropriate company and secondary market investor standards. Helping Underwrites files to ensure accuracy completion. Examines loan documentation for accuracy and completeness. Works with loan originator or production staff to secure all required documents. Have authority to withdraw and decline loans. Develop and recommend modifications to underwriting and production procedures. Responsibilities include one or several types of mortgage lending (conventional) respond to individual and investor audits.Well Fargo Bank Collector/Credit Analyst/Team Lead October 1998 - December 2006Began as a Collector I to Collector III, Credit Analyst and progressed to Team Lead. Provides guidance, instructions, directions and leadership to a group of individuals of 16, for the purpose of achieving a key results and to drive performance within the team. Reviewed work and monitored phone calls of team members to ensure team members adhered to process and procedures during customer calls. Ensured that customer service production goals were met. Analyze queues and process management workflow. Mentoring and coaching, prepare performances and time sheets for the supervisor. Motives and creates a positive working environment to archive productivity.FIRST HAWAIIAN BANK Mortgage Underwriter June 1995 - October 1998Underwrote large complex residential loans ensuring compliance with appropriate company and secondary market investor standards. Examined loan documentation for accuracy and completeness and authorized withdrawal and declined loans. Worked with loan originator or production staff to secure all required documents. Develop and recommend modifications to underwriting and production procedures to other team members. Working with FHA, FNMA, FHLMC policies and guidelines.EDUCATIONUniversity Santa Maria Caracas, Venezuela South America 1989Master degree in LawCertifications:Certified Interpreter Spanish/English- English/Spanish, 1998 |
