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Click here or scroll down to respond to this candidateCandidate's Name
Street Address
EMAIL AVAILABLE Phone: PHONE NUMBER AVAILABLESUMMARY OF QUALIFICATIONSMultifaceted and reliable mortgage professional with extensive experience analyzing complex data, interpreting, and applying regulatory guidelines, and a demonstrated ability to work collaboratively with diverse groups and establish ongoing relationships. Organized and flexible with a track record of resolving business challenges, and capable of quickly understanding how systems are used in order to provide excellent support. Proficient in Microsoft Word, Microsoft Excel and mortgage software.PROFESSIONAL EXPERIENCEFM Loans Remote 2021 2022Senior UnderwriterAnalyzed complex tax returns, review income, assets and appraisals for DU/LP loans and portfolio HELOC.Adhered to investor guidelines and overlays.Underwrote jumbo and NON QM.Promontory Mortgage Denver, Colorado 2020 2021Senior UnderwriterAnalyzed complex tax returns, reviewed income, assets and appraisals for DU/LP loans and portfolio HELOC.Adhered to investor guidelines and overlays.Computershare Denver, Colorado 2017 2020Senior Mortgage UnderwriterAnalyzed post closed loans for credit, income, assets and appraisals.Identified credit and potential fraud risk. Applied credit conditions as needed and provided credit signoff of conditions.Reviewed and applied investor guidelines.Proficient with NON QM, DSCR loans.Responsible for rebuttals with the investor. Knowledge of TRID rules/regulations.Resolved compliance errors.Stewart Lender Services/AMC Denver, Colorado 2014- 2017Mortgage UnderwriterAnalyzed and underwrote loans for credit, income, assets and appraisals.Identified credit and potential fraud risk. Applied credit conditions as needed and provided credit signoff of conditions.Reviewed and applied investor guidelines.Stewart Lender Services/Allonhill Denver, Colorado 2011 2014Compliance/Mortgage Credit UnderwriterAnalyzed and underwrote loans including credit, income, assets and appraisals.Extensive knowledge with investor guidelines.Identified credit and fraud risk.Comprehensive understanding of compliance regulations.Golden Empire Mortgage San Luis Obispo, California 2010 -2011Processor/UnderwriterProcessed loan applications; calculated income; locked loans, resolved customer issues, responded to audits and investors.Bank of America Parker, Colorado 2009 2010Processor/UnderwriterProcessed loan applications by ordering appraisals, title, and subordinations.Calculated income and reviewed/processed loan files to ensure guideline compliance.Discussed conditions and approval with borrowers.Monitored pipeline tracking reports.Boulder Municipal Federal Credit Union Boulder, Colorado 2008 2009Loan Officer/UnderwriterInterviewed clients, discussed rates and loan options.Processed auto loans, real estate loans and personal loans.Closed loans; authority to approve and decline loans.Comprehensive knowledge of regulations and responded to audits.First Franklin Financial Denver, Colorado 2001 2007Underwriter 2004 - 2007Provided customer support for internal staff and outside mortgage brokers.Responded to investor inquiries on rejections and asset quality issues.Responsible for underwriting a minimum of 6-8 loans per day.Loan Account Supervisor 2003 2004Supervised day-to-day activities of loan processing group.Served as back-up support for processing teams.Primary point of escalation for clients and processing staff.Monitored and audited team performance and to meet goals.Loan Account Manager 2001 2003Responsible for pre-qualifying loan applicants.Obtained and analyzed credit reports and property appraisals to ensure applicants were in compliance with corporate guidelines.Researched loan program questions and provided assistance to brokers with interpretation of corporate policies.Managed, closed and funded loans. Insured applicants met all necessary conditions prior to approving/closing loans.EDUCATIONDavenport College Grand Rapids, MichiganGrand Rapids Community College Grand Rapids, MichiganLANGUAGESFluent in Spanish |
