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9416 Acorn Lane Oak Point, TX 75068PHONE: PHONE NUMBER AVAILABLE EMAIL: EMAIL AVAILABLES U M M A R YA self-motivated, dynamic, result- oriented professional with over 12 Years Experience in Underwriting and Loan Servicing. Exceptional time management skills, Strong organizational and negotiation skillsMotivated self- starter, with a proactive attitude who excels in challenging and competitiveenvironments. Excellent risk analysis with very strong communication skills with bothcustomers and colleaguesC O R E C O M P E T E N C I E SCredit & Income AnalysisRisk AssessmentCredit & Income AnalysisLTV CalculationDTI CalculationCash-Flow AnalysisProject ManagementEasily Adapt to most LOSsLP/ LPAMicrosoft Applications Loan Processing Desktop UnderwriterE M P L O Y M E N T E X P E R I E N C EMORTGAGE UNDERWRITER GUARDIAN MORTGAGE, RICHARDSON, TX October 2018  PresentComplete detailed analysis of personal assets, income and liabilities for clients to secure an accurate decision to complete the loan process. Analyze personal and business tax returns for income qualification for home mortgage loans. Underwrite purchase, new construction, manufactured homes and refinances mortgage loans. Fill in for mortgage underwriter manager when out of office.Analyze information requested from AUS (LP and DU).Determine credit worthiness and risk associated with borrower based on credit profile.Communicate decisions that most effectively mitigate credit risks, including data integrity and validity of information submitted.Apply understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience.Calculate and review income documentation (Paystubs, Tax Returns (Schedule E, Wage earner, K1s) and WVOEsResponsible for the analysis of submitted files for repayment capacity, capital/assets, character, collateral, and property condition, while adhering to credit policies and investor/agency guidelines.Use established procedures and significant job experiences to perform moderately complex work assignments and problem resolution.Utilize lending authority and mature understanding of all aspects of Mortgage and/or Home Equity underwriting and portfolio guidelines to underwrite moderately complex loan files.Perform Credit & Income Analysis, Risk Assessment, and Loan to Value Ratios, Debt to Income Ratios as well as Compliance and Quality Control Reviews and evaluates credit applications to assess the loan package for approval of fraudulent activity and provide feedback to the Processors and Originators to improve the quality of the loan files.E M P L O Y M E N T E X P E R I E N C EMORTGAGE UNDERWRITER MR. COOPER, LEWISVILLE, TX June 2014-October 2017Responsible for reviewing, analyzing and underwriting individual mortgage loan applications.Reviewed residential loan application files to verify that application date was complete and met company standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment; in some cases, recommends a loan application not be sent to UnderwritingProcessed conventional and government secured loans including FHA, VA and USDA as well as purchase and refinancePrepared necessary documents and submits mortgage loan application files for underwriting approvalReviewed and calculated income including but not limited to: Paystubs, VOEs, tax returns (personal and business)Reviewed credit reports and address credit issues or concerns.Ordered FHA/VA case numbers, and tax transcripts.Submitted conditions to Underwriter to clear loan for approval.JUNIOR UNDERWRITER GENPACT MORTGAGE, IRVING TX June 2012  May 2014 Underwrite loans generated from mortgage broker placement on the internet.Approved or rejected residential loans within limited authorityConsulted with the closing department to ensure that all underwriting conditions were met prior to closing the loanCollected and analyzed credit reports, financial statements, and appraisalsProvided written letters of commitment for each loan decision detailing required documentation, and mortgage amount approvedSecured relevant information and documentation needed to render lending decisions on Condos, PUDs. Sought formal legal opinions if neededGathered information in order to solve problems and make decisions through phone contact to managers, loan originators, government agencies, realtors, and borrowersAssisted in the development and training of loan production personnel, loan closers, and set-up employeesLOAN PROCESSOR CITI MORTGAGE, IRVING, TX December 2009  November 2011Provided support to Loan Officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.Reviewed and verified borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.Requested, reviewed, and submitted additional documentation for review.Verified client eligibility as homebuyer through federal home loan programs.Evaluated and reviewed exception reports to ensure that all tasks are completed and met expected closing date.Reviewed and approved confidential documentations for clients during the home buying process.Handled tasks of confirming information by contacting verification sources and mailing (electronically and physically) verification forms.Performed responsibilities of validating loans in automated underwriting systems including LP and DU and submitted to/for underwriting.Prepared as well as ensured accurate, complete, and timely loan data on the processing system.Responsible for preparing mortgage loan files by reviewing, clarifying, and obtaining loan application additional information for various loan products.9416 ACORN LANE, OAK POINT, TX 75068PHONE: PHONE NUMBER AVAILABLE EMAIL: EMAIL AVAILABLEE D U C A T I O NBachelor of Arts  Accounting/ FinanceOxford University, 2000P R O F E S I O N A L D E V E L O P M E N TSix Sigma  GreenBelt. ITIL Certified Project Management Professional (PMP) -New Horizons Center Dallas, TX 2019Business Communications John Hopkins University ( Carey Business School)Baltimore, MD 2009