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Click here or scroll down to respond to this candidateCandidate's Name
Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLESummary:Accomplished Mortgage Loan Underwriter with 10 years experience in the role. Extensive experience in credit review, appraisal analysis and fraud prevention. Knowledge comprised of Conforming, Non-conforming Conventional Refinance and Purchase loans. Knowledge of FNMA, FHLMC and Non-QM guidelines. I am a Self-motivated, self-reliant dependable individual that possess Strong skills in Underwriting, Processing and Customer Service. Strengths include excellent verbal, written and interpersonal communication, strong analytical skills with high attention to detail, problem-solving skills and adapting to change. I have the Ability to meet specific time constraints while working in a fast-paced environment utilizing superior time management skills.Professional Experience:Movement Mortgage, Indian Land, SCPCQC Underwriter Jun 2020 to April 2023Primarily responsible for Performing the audits of closed loans, and ensures loans are underwritten according to companies policies and procedures.Re-underwrites the income, assets, credit, and appraisal for all post-closing quality control audit selections.Carefully reviews and selects information in each file that will need to be re-verified including income, assets, credit, and appraisal documentation.Utilizes strong oral and written skills to communicate across different lines of business and internal partners.Deephaven Mortgage, Charlotte, NCScenario Desk Underwriter (Non-QM) Feb 2020 to Apr 2020Primarily responsible for handling a heavy daily volume of Scenario Desk phone calls and email inquiries from our correspondent and wholesale lending partners.Effectively Analyze and calculate borrower income using alternative documentation sources such as bank statements.Research Deephaven Mortgage LLC underwriting and program guidelines while reviewing the nature of the inquiries and determine the appropriate program and response.Assist sales force, Secondary, and other internal staff as needed with underwriting guideline questions/assistance.Works with Scenario and underwriting team to determine when to elevate customer requests to Senior Underwriter and/or Underwriting Manager.Wells Fargo Home Mortgage, Charlotte, NCMortgage loan Underwriter III Oct 2012 to Dec 2019Frontline Mortgage Loan underwriter who is responsible for underwriting conventional conforming Refinance and Purchase mortgage loans by reviewing the credit, capacity and collateral of the transaction.Use expert judgement when Review loan conditions as set forth by investor guidelines, including but not limited to, tax returns, title reports, credit reports, income and assets documentation and appraisal conditions within 24-48 hours to meet companys turn timesProficient with automated underwriting systems such as Desktop Underwriter (DU) and Loan Prospector (LP)Proactively Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisionsEffectively Reviews income documents, financial statements, credit reports and additional supporting documentation to ensure all ratios are in line with program requirements and guidelines.Successfully communicates with all level of management, internal and external customers to provide updates and clarification on outstanding conditions on the loan file.Required to be a self-starter with strong analytic skills and exceptional attention to detail to ensure the highest level of customer service.Residential Finance Corporation, Charlotte, NCMortgage Loan Underwriter Jul 2012 Oct 2012Diligently worked with Loan Officers and Mortgage Processors to secure all required documents to authorize a final approval, denial or alternate terms within program guidelinesReview loan conditions as set forth by investor guidelines, including but not limited to, tax returns, title reports, credit reports, income and assets documentation and appraisal conditions within 24-48 hours to meet companys turn timesRequired to be a self-starter with strong analytic skills and exceptional attention to detail to ensure the highest level of customer service.Accenture Credit Solutions, Charlotte, NCSr. Mortgage Loan Coordinator, Citi Platform Jul 2009 Jul 2012End to end processor that used training and experience to analyze the entire process from origination to closing to identify bottlenecks and help make the process more efficientCollaborate with lines of business to ensure effective, efficient and timely vendor performance all while Providing timely vendor feedback and process improvement opportunitiesPromptly obtained necessary documents from borrowers and third party vendors to perform a thorough review of each loan and determine if investor standards were metUtilizes flexibility and adaptability to work and add value across different platforms ad different clientsSummary of relevant skillsSkills: Lending & Underwriting Guidelines Credit & Income Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional Mortgages Conforming & Nonconforming Loans Fraud detection Direct Auto Loans Judgmental UW Tax Returns Tax transcripts LPS LIS CORE FNMA and FHLMC GuidelinesEducation:Bachelors of Arts Degree in SociologyFramingham State UniversityFramingham MA |
