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| | Click here or scroll down to respond to this candidateCandidate's Name
PHONE NUMBER AVAILABLE
EMAIL AVAILABLE
SUMMARY OF EXPERIENCE:
SENIOR FRONT- END UNDERWRITING
FHA CHUMS #
VA SARS #
MANAGEMENT:
CUSTOM AND SPEC. CONSTRUCTION
ESCROW / FUNDING:
LOAN PROCESSING:
COMPLIANCE AUDIT/ BACK END AUDITS:
COMMERCIAL LENDING
SALES-WHOLESALE&RETAIL
SUMMARY OF WORK HISTORY:Conscientious, detailed Senior Financial Professional with over 20+ years of research & decision-making skills. In-depth knowledge of Conventional, Government, and Portfolio guidelines. Knowledge of federal lending regulations governing residential real estate lending.Demonstrates success in Mortgage Underwriting, Underwriting Management, and Contract Underwriting & Processing within the Mortgage/Banking industry. Team oriented and able to mentor, direct and support a diverse group of individuals. Experience in Associate LendingBLUPRINT HOME /NFM 1/2021 laid off Sr. Mortgage Conventional/ Govt Underwriter
Front line Underwriter (Live Loans) - FHA-DE, CHUMs/VA, SARS/Conventional Analyzing and having the authority to approve /condition/ and deny mortgage home loans FHA/VA/USDA/Conventional Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns/Loan BeamCALIBER HOME LOANS 9/2020- 12/2020 Sr. Mortgage Conventional/ Govt Underwriter Front line Underwriter (Live Loans) - FHA-DE, CHUMs/VA, SARS/Conventional Analyzing and having the authority to approve /condition/ and deny mortgage home loans FHA/VA/USDA/Conventional Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns/Loan Beam Interacted with Processors/Managers/ and Closing Department RADIAN- CLAYTON AUDIT UNDERWRITER 2018-2020 OAKLEAF GROUP AUDIT UNDERWRITER 2017 - CLOSEDATLANTIC BAY /LOAN DEPOT 2016-2017 Front line Underwriter (Live Loans) - FHA-DE, CHUMs/VA, SARS/Conventional Analyzing and having the authority to approve /condition/ and deny mortgage home loans FHA/VA/USDA/Conventional Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentUS BANK - Sr. Mortgage Conventional / Govt Underwriter June 1-2015
Conventional / Govt Underwriter - Scottsdale, AZ Front line Underwriter (Live Loans) - FHA-DE, CHUMs/VA, SARS/Conventional Analyzing and having the authority to approve /condition/ and deny mortgage home loans FHA/VA/USDA/Conventional Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentHOMEOWNERS FINANCIAL GROUP - Sr. Mortgage Underwriter
Conventional / Govt Underwriter 2-15 - 4-15 Scottsdale, AZ Front line Underwriter (Live Loans) - FHA/VA/Conventional/HARP Analyzing and having the authority to approve /condition/ and deny mortgage home loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentCMG - Shipper Scottsdale, AZ- temporary assignment 6 months 2014 -2015HIGHLINE COLLEGE Computer Science/Data Recovery/Forensics 2.0 YRS 2012-2014Ongoing studies
PHH MORTGAGE COMPANY (Merrill Lynch) - Remote Sr. Front Line Underwriter
June 2010 June 2011 Analyzing and having the authority to approve /condition/ and deny mortgage home loans which includes Conventional DU/LP /Portfolio
Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Merrill Lynch included High End Tax Returns
Interacted with Processors/Managers/ and Closing Department
SYDION FINANCIAL LLC - Federal Way, WA Sr. Front Line Mortgage UnderwriterMay 2009 August 2009 Front line Underwriter (Live Loans) - FHA-DE, CHUMs/VA, SARS/Conventional Analyzing and having the authority to approve /condition/ and deny mortgage home loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing Department
NETMORE AMERICA - (Remote) - Senior Front Line Mortgage Underwriter 2008 - 2009 Analyzing and having the authority to approve /condition/ and deny mortgage home loans. Conventional loans DU/ LP/ FHA/ VA Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing Department
WASHINGTON FINANCIAL - Seattle WA FHA/DE Underwriter 2007
Started up underwriting department to receive companies internal approval authorizations. Analyzing and having the authority to approve /condition/ and deny mortgage home loans/ Conventional DU/LP FHA/VA loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentCHASE MORTGAGE - San Ramon, CA - Senior Mortgage Underwriter 2006
Analyzing and having the authority to approve /condition/ and deny mortgage home loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions for Chase Mortgage Loans Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentCAMERON FINANCIAL - San Luis Obispo Ca 2004-2005 Senior Mortgage Underwriter Analyzing and having the authority to approve /condition/ and deny mortgage home loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions / (out of box mortgage loans available) Conventional and Portfolio Loans also included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentCORNERSTONE MORTGAGE Scottsdale, AZ - Assistant Manager & Senior DE Underwriter2003-2004 Managed and underwrote for three branches: Scottsdale, Tucson, and Sierra Vista
FHA, VA, Conventional, Jumbo, Super Jumbo, Construction, Lot loans.
Analyzing and having the authority to approve /condition/ and deny mortgage home loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentSEATTLE MORTGAGE / MGIC Mercer Island Senior Underwriter & received DE2001-2003 Analyzing and having the authority to approve /condition/ and deny mortgage home loans Conventional DU/LP / FHA/ VA loans Process includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictions Included Tax Returns Interacted with Processors/Managers/ and Closing DepartmentMGIC/CMAC/GE/ICFC Contract Underwriting1997 - 2000Analyzing and having the authority to approve /condition/ and deny mortgage home loans/ Conventional loansProcess includes whole loan package which includes - Credit Report /All Assets /Appraisal Review/ Title Report / Fraud / Income Verification / Program Guidelines and restrictionsIncluded Tax ReturnsInteracted with Processors/Managers/ and Closing DepartmentSISTERS, INC. /CUSTOM CONSTRUCTION FINANCING /Owner and PresidentStart to finish construction financing / various builders and C. Sodenkamp & Sons. 1994-1996AMERICAN MORTGAGE/Express American /Senior Underwriter 1991-1993
PRUDENTIAL /FIRST WEST BANK /Branch Manager 1989-1990Manage red branch location in Kent Washington. Developed custom construction program for local builders.COLUMBIA SAVINGS & LOAN: Retail Representative 1988 Western Washington
Territory until S&L closed.TACOMA TITLE/FIRST AMERICAN TITLE / Escrow Closer & 1st Title Representative in Washington State territory Western Washington 1984-1987 * First representative in state of Washington.SEATTLE MORTGAGE & CONTINENTAL MORTGAGE / Processor & Escrow Closer FHA/VA/Conventional 5.0 yrs. 1984-1986 Bellevue and Federal Way Washington - Began as receptionist and moved into processing 30 loans within 30 days.* REFERENCES *John DeFreeze, Vivian Potter, Susan Chun, Ann Keller, Doug Prutzman, Mark Templeman Jeannie McKenzie, John Nixon, Margaret Brubaker/Cousins, Denise McKenzie, Fred Sodenkamp, Jim Lytner, Carol Garner, Nancy Charleston, Debbie Wilson, Jim Barker, Adrian Lyons, Janice Cardinalli, Tim Kreider, Ian Chait, June Corpus, Alma Santos, Victoria Ward
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