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Click here or scroll down to respond to this candidateCandidate's Name
Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLESkillsMBA Certified Conventional UnderwriterNon-QM/Portfolio Mortgage UnderwriterVA IRRRL / FHA with a DE Underwritersign-offJumbo UnderwriterCredit & Collateral UnderwriterData Integrity / Time ManagerAnalyze complex income & tax returnsCredit / Fraud / Risk AnalystMentor / TrainerQuality Assurance / AuditorDue Diligence UnderwriterMortgage Work HistorySenior Underwriter 2/2015 to 9/2023Sutherland Mortgage (Suntrust Mtg / DR Horton Mtg / Arch MI /Flagstar Mtg/American Pacific Mtg / National MI) Houston, TX Products: FNMA, FHLMC, Jumbo, VA IRRRL - purchase and refinances Underwrote purchases and refinances for a high volume top US home builder and Mortgage lenders Great working knowledge of credit procedures, creditor financial analysis techniques and investor requirements for products Ability to review accurately all loan components in the loan for completeness and integrity while ensuring loan documents are consistent with upholding lender and industry guidelines Utilize and examines lender products and investor manuals daily to ensure compliance with all updates and guidelines Effectively communicate and engage proactively with all parties of the loan in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and loan scenarios Ability to underwrite appraisals verifying adjustments, calculations and comparables by meeting lender/investor requirements. Utilizing appraisal tools such as Collateral Underwriter and LoanSafe to compare with the actual appraisal Addressing appraisal discrepancies by requesting appraiser to make comments &/or corrections to the report Ability to recognize risk factors that may compromise the overall quality of the loan by offering counteroffers, restructuring declined loans and/or alternative solutions. Aid in the resolution of pre/post-closing loan deficiencies by assisting QC Auditors in addressing salability issues Team Lead assigning tasks to associates, staffed projects, tracked progress and updated managers, partners and clients as necessary.Mortgage Credit Analyst 8/2014 to 12/2014American Mortgage Consultants - Tampa, FL Products: Manual, Jumbo & Non-QM Underwriting Ability to switch between different loan products adhering to each specialty guidelineKnowledge High producer with attention to quality Documenting loan conditions and communicating requirements and/or decisions Identifies portfolio risks resulting from clients underlying business practices, underwriting and/or fraud exposure Strong commitment to customer service and satisfaction Ability to plan ahead and meet deadlines on time Reviewing loan files for completeness and accuracy Analyzing credit documents, including but not limited to mortgage applications, credit history and income documents, title documents, appraisals, and all applicable documents Calculate income with special assignment to self-employed individuals with multiple businesses &/or rental properties Evaluate debt ratio, loan-to-ratios, credit score, and property valuations Due Diligence Analyst 10/2013 to 8/2014RMG - Phoenix AZ Products: FNMA & FHLMC Conventional underwrites Loan file and document reviewed in accordance with investor and lender guidelines Analyzed credit documents including mortgage applications, property appraisals, credit history, income documentation, title documents and all other applicable compliance documents to ensure borrower qualification guidelines were met Verified data against investor and lender guidelines at the time of initial underwrite looking for any issues that may affect the salability of the loan to the investor &/or possible resolutions Findings were documented and reportedMortgage Risk Analyst 06/2013 to 10/2013Chase - Silicon Valley Staffing Phoenix, AZ Products: FNMA & FHLMC & Combos - purchase and refinances Assigning lending authorities to new hires and returning credit and collateral (appraisal) underwriters by auditing currently underwritten loans Mentored underwriters in the bottom 10% of monthly QC audited loans by auditing current loans for errors and coaching them to elevate skills to lender standards Aid in the resolution of pre/post-closing loan deficiencies by assisting QC Auditors in addressing salability issues Supplied operational support for high-volume financial institution Portfolio Mortgage Underwriter 01/2012 to 05/2013Sierra Pacific Mortgage Phoenix, AZ Products: FNMA, FHLMC, Jumbo, Combo, Private Investor - purchase and refinances Great working knowledge of credit procedures, creditor financial analysis techniques and investor requirements for products underwritten Ability to review accurately all loan components in the loan for completeness, and integrity while ensuring loan documents stay consistent and uphold lender and industry guidelines Utilize and examines investor manuals daily to ensure compliance with all updates and guidelines Perform complex income and tax return analysis through review of personal & business tax returns, Financial statements, and leverage Underwrite high risk and complex income consumer requests and products within lender and industry guidelines Ability to recognize risk factors that may compromise the overall quality of the loan by offering counteroffers, restructuring declined loans and/or alternative solutions. Aid in the resolution of pre/post-closing loan deficiencies by assisting QC Auditors in addressing salability issues Ability to underwrite appraisals verifying adjustments, calculations and comparables by meeting lender/investor requirements. Utilizing appraisal tools such as LoanSafe to compare with the actual Appraisal Addressing appraisal discrepancies by requesting appraiser to make comments &/or corrections to the report Trained new underwriters on company system software and lender guidelines and procedures Supplied operational support for high-volume financial institution Underwriter 10/2010 to 01/2012SunTrust Mortgage Randstad US Phoenix, AZ Products : FNMA & FHLMC including purchase, refinance & Jumbo loans Great working knowledge of credit procedures, creditor financial analysis techniques and investor requirements for products underwritten Ability to review accurately all loan components in the loan for completeness, and integrity while ensuring loan documents stay consistent and uphold lender and industry guidelines Utilize and examines investor manuals daily to ensure compliance with all updates and guidelines Effectively communicate and engage proactively with all parties of the loan in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and loan scenarios Calculate income with special assignment to self-employed individuals with multiple businesses &/or rental properties Underwrite high risk and complex income consumer requests and products within company and industry guidelines Ability to recognize risk factors that may compromise the overall quality of the loan by offering counteroffers, restructuring declined loans and/or alternative solutions Aid in the resolution of pre/post-closing loan deficiencies by assisting QC Auditors in addressing salability issues Ability to underwrite appraisals verifying adjustments, calculations and comparables meeting lender/investor requirements. Utilizing appraisal tools such as LoanSafe to compare with the actual appraisal Addressing appraisal discrepancies by requesting appraiser to make comments &/or corrections to the report Performed underwriting pre & post audits on loans prior to closing Trained incoming underwriters on company system software and company guidelines and procedures Supplied operational support for high-volume financial institution Assigned tasks to associates, staffed projects, tracked progress and updated managers, partners and clients as necessaryUnderwriter II 02/2009 to 06/2010Wells Fargo Home Mortgage Accountemps Tempe, AZ Products: : FNMA, FHLMC, VA IRRRL refinance including HARP Great working knowledge of credit procedures, creditor financial analysis techniques and investor requirements for products Ability to review accurately all loan components in the loan for completeness, and integrity while ensuring loan documents stay consistent and uphold lender and industry guidelines Utilize and examines investor manuals daily to ensure compliance with all updates and guidelines Effectively communicate and engage proactively with all parties of the loan in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and loan scenarios Calculate income with special assignment to self-employed individuals with multiple businesses &/or rental properties Ability to recognize risk factors that may compromise the overall quality of the loan by utilizing additional software tools and fraud detection techniques &/or offering counteroffers, restructuring declined loans or alternative solutions Aid in the resolution of pre/post-closing loan deficiencies by assisting QC Auditors in addressing salability issues |
