| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidate PHONE NUMBER AVAILABLE
ABUBAKARR EMAIL AVAILABLE
AB KAYBU BARRIE
PROFESSIONAL SUMMARY
Self-motivated mortgage Underwriter to work with speed and accuracy during seasons
of very high workload as I underwrite purchases, Refinance and Home Equity Loans, FHA,
VA, USDA, and Conventional loans. Having strength in income, credit, collateral and
Capital analysis and documentation review for completeness, accuracy and consistency
while ensuring faster closing of loan files.
SKILLS
Underwrote and processed, Expert in interpreting DU and LP findings
purchases, Refinance, HELOC Home
Equity loans.
Microsoft outlook, Encompass, Excellent communicator and excellent
Empower, Microsoft word, Microsoft customer service
Excel
Expert in analyzing Tax returns both
business and personal.
EXPERIENCE
Mortgage Underwriter, Academy Mortgage, Mar 2017 Current, Albany, Oregon
Review and analyze borrower profiles, credit reports, title reports, income
documentation and assets, including complex business returns and financials
Analyzing the risk involved in granting a loan to a borrower and determine whether it
is acceptable to the lender
Credit analysis based on borrower's Credit history to determine credit worthiness of a
borrower
Underwrite residential mortgage loans in accordance with Jumbo, FNMA, FHA, and VA
internal guidelines ensuring compliance with company and investor standards
Experienced in income calculation for W2 Wage earners and self-employed borrowers
Make sure the appraisal meets the investor guidelines and supports value
Review Appraisals and the SSR from Fannie and Freddie Mac to know the risk
assessment and determine if it is acceptable to Fannie Mae and Freddie Mac
Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income
and asset documentation, appraisal, etc., to ensure that each loan meets secondary
market, investor, and company standards
Review and evaluate information and documentation on mortgage loans, home
equity loans, and home equity lines of credit to determine if borrower and/or property
meets prescribed loan standards
Underwrites mortgage loan applications and evaluates loans to maximize
organizational profit and minimize risk or loss
Working effectively with loan officers to ensure every option available is made to find
best loan programs available to the borrower
Evaluate the financial strength of borrowers to determine risk and repayment
capacity
Maintains a pipeline of loan file and meet production requirements and communicate
status to management
Work closely with loan processors to request additional documentation
Hands on experience on confirming Loans and non-confirming loans
Used DU and LP to determine whether a loan meets Fannie Mae or Freddie Mac's
eligibility requirements.
Junior Home Equity Underwriter / Loan Processor, Wells Fargo Bank, Mar 2014 Mar 2017,
Tampa, FL
Work closely with the senior loan officers, gather documentations and submit for
underwriting
Review loan documentations like bank statements, pay checks, title report and initial
disclosures before summiting to underwriting
Carry out initial Underwriting on Home equity loans
Condition and clear basic conditions on home equity loan files
Hands on experience with various fraud tools such as fraud guard and data verified
also having hands on experience in compliance tools such as Mavent
Calculate income for self-employed and W2 before submitting file for underwriting
Get conditions from the underwriter and follow up with the borrower to make sure all
documentations are available, and file is ready for clear to close
Follow up titles and appraisals to ensure loans close on time
Update the Empower LOS System with documentations received.
ACCOMPLISHMENTS
S and K-1 for S Corps, 1120 for C Corps, 1065 and K-1 for partnerships, schedule C
incomes for sole proprietors for income calculation
EDUCATION
Associate Degree, Nursing (RN) Aug 2015
Radians College Washington DC, District Of Columbia
|
