| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidate 4529 QUARRY ST., WHITEHALL, PA 18052
PHONE PHONE NUMBER AVAILABLE EMAIL EMAIL AVAILABLE
TONY URSO
OBJECTIVE
To use my 20 plus years of Home Mortgage experience and knowledge as a Mortgage
Underwriter, Loan Processor, Closer & Loan Originator to provide excellence in
efficiency, accuracy, and superior customer service in the Home Mortgage industry.
WORK EXPERIENCE
June 5th, 2023 Oct 2nd, 2023 NewRez
Closer
April 2022 June 2022 AnnieMac Home Mortgage
Mortgage Processor/Closer
July 2021 April 2022 Home Equity Mortgage
Conventional Mortgage Underwriter-Remote
*Professional Underwriting Experience
Lending & Underwriting Guidelines
Credit & Income Analysis Cash-Flow Analysis
Risk Assessment
Loan-to-Value & Debt-to-Income Ratios
Conforming & Nonconforming Loans
Loan Closing, Funding & Documentation
Appraisal Review
Apr 2020-July 2021 AmeriSave Mortgage
Conventional Mortgage Underwriter-Remote
*Professional Underwriting Experience
Lending & Underwriting Guidelines
Credit & Income Analysis Cash-Flow Analysis
Risk Assessment
Loan-to-Value & Debt-to-Income Ratios
Conforming Loans
Loan Closing, Funding & Documentation
Appraisal Review
Oct 2019-Apr 2020 Bayview Asset Management
Horsham, PA
Conventional Mortgage Underwriter-Wholesale-Remote
Encompass
Ensure compliance with Fannie Mae/Freddie Mac Guidelines
Review credit reports to determine approval eligibility.
Determined qualifying income by analyzing paystubs, W2 s,
tax returns of Sole Proprietorships, LLC's and S-Corps.
Cultivated relationships with the broker community and sales
representatives by providing timely updates on loan status.
Maintain meticulous attention to detail in underwriting
mortgages. Evaluated the financial strength of borrowers to
determine risk and repayment capacity.
Verify documents are consistent and uphold the company
and investor guidelines
Oct 2014-Sept 2019 Hamilton National Mortgage
Malvern, PA
Mortgage Underwriter/Processor-Remote
* Extensive experience working with Encompass.
Evaluate loan risk through verification of loan application
information.
Conforming, Fannie Mae & Freddie Mac Guidelines
Calculate borrowers income, review credit reports, employment
histories, property appraisals & title documentation.
Ensure compliance with company policies, underwriting guidelines
& lending-program requirements.
High degree of attention to detail & strong organizational skills
Ability to work independently with a high degree of detail & meet
production requirements.
Aug 2012-Sept 2014 New Penn Financial
Plymouth Meeting, PA
Mortgage Underwriter-Remote
Underwrote conventional, wholesale, correspondent & non-
conforming loans-to include Jumbo & Foreign Nationals-Manual
Underwriting experience.
Lending authority 1,000,000
Extensive knowledge of Fannie Mae (DU) & Freddie Mac (LP)
guidelines
Reviewed loan files to ensure soundness, accuracy & compliance
with Lender s underwriting guidelines, standards, procedures,
policies & credit. Ability to make independent decisions.
Verified compliance of state, federal & OCC lending regulations.
Reviewed loan files to analyze special conditions, loan deficiencies &
exception requests & determine the appropriate actions.
Assign & clear all conditions.
Review & evaluate asset statements for funds to satisfy closing loan
& PITI reserve requirements.
Review & approve Home Appraisals.
Review & calculate income based on Paystubs, W2s, Personal &
Business Tax Returns
Verify borrowers meet new QM/ATR standards
Exceptional attention to detail to meet loan file documentation
requirements.
Strong organization & follow-up skills. Ability to handle high volume
of work & the pressure of meeting deadlines.
Computer skills which include ability to use Word, Excel &
PowerPoint
Possess strong communications skills, both written & oral
Mar 2007-Aug 2011 Wells Fargo Home Mortgage
Bethlehem, Chester & Reading, PA
Underwriter III
Underwrite Conventional Loans
Update information on processing & underwriting systems to verify,
add, delete or waive conditions.
Utilize all systems in place, including DU/LP to underwrite files in a
timely manner.
Contact Loan Originator with the decision on the loan immediately
after underwriting the file.
Review credit reports, home appraisals, income documents & asset
statements
As Processing Team Leader supervised a 12-member team
Conducted Team Meetings to provide updated information and
review Team Member s files for accuracy & completion.
2000-2007 Allied Home Mortgage
Allentown, PA
Mortgage Loan Officer
Assisted Clients with all facets of home mortgages.
Identified needs of borrower to provide all mortgage options.
Extensive experience working with FHA, VA, FNMA, and FHLMC
Guidelines.
Responsible for Loan Processing, including verifying application
information, compliance requirements, underwriter liaison, loan
approval, and all Closing documentation.
Served in the United States Air Force 12 yrs
U.S. & Italy.
* NATO (North Atlantic Treaty Organization), Naples, Italy
* ROTC Lehigh University. Bethlehem, PA
* ROTC Cornell University, Ithaca, NY
Education
High School Diploma
Some College at Indiana State University
References available upon request
|
