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Click here or scroll down to respond to this candidateCandidate's Name
PHONE NUMBER AVAILABLE EMAIL AVAILABLE Street Address
Mortgage UnderwriterANNIE MAC (Remote) Jun 2020 Nov 2021RP Funding, Inc (Remote) Aug 2015 Jun 2020The Stonehill Group (Remote) Jul 2013 Dec 2013Analyzed credit documents, including mortgage applications, credit history, income records, title documents, debt/loan-to-value, appraisals, and relevant compliance paperwork.Underwrote FHA, conventional, Alt-A, single family, condos, Townhome, 2-4 units, bank statement and income-producing properties (DSCR).Calculated income from diverse sources, such as self-employment, wage-earning, retirement benefits, pensions, social security, dividends, and interest.Utilized Encompass LOS and AUS systems. Specifically, FNMA and FHLMC, while also navigating fraud tools, MI guidelines, and investor overlay underwriting standards.Collaborated closely with Underwriting Manager in devising new processes and training Junior Underwriters.Due Diligence Underwriter (Remote)Consolidated Analytics Jan 2022 Aug 2022Reviewed credit documents, including, but not limited to loan application, lender approval, credit and income documents, title report, appraisal, and all applicable compliance documents.Reviewed and addressed compliance exceptions and failures identified from third-party compliance systems, such as Compliance Ease and Mavent, and determined the validity of results by comparing analyst input versus documentation error.Accurately entered data into the companys proprietary diligence software system.Formed intelligent decisions to identify deficiencies through a detailed, TRID-focused review of all applicable documentation including required initial disclosures, Loan Estimates, Closing Disclosures, and Changed Circumstances for timing and tolerance variances.Available upon requestREFERENCESLending & Underwriting GuidelinesCredit and Income AnalysisCash-Flow AnalysisExperienced in Regulatory/Compliance ReviewsRisk & Fraud AnalysisMicrosoft Office SuiteEncompass, Byte, MSP, ACESCORE COMPETENCIESBA with Dual Major in Business Management and Corporate FinanceUniversity of North Florida - Jacksonville, FLEDUCATIONQA UnderwriterBank of America - Jacksonville, FL Jan 2012 Jul 2013JP Morgan Chase - Jacksonville, FLSenior Loan Processor Jul 2010 Dec 2011Default/Loss Mitigation Underwriter May 2009 Jul 2010Credit & Compliance Analyst/Mortgage Officer Nov 2000 Dec 2008PREVIOUS EXPERIENCEA result driven, detailed oriented, and proactive Senior Mortgage Underwriter/Compliance Auditor with 20+ years experience in the industry. Expertise in mortgage industry regulatory environment (HMDA, TRID, ECOA, FCRA, AML/BSA, etc..) and a comprehensive understanding of residential mortgage loan processing and underwriting guidelines.Compliance Auditor/Consultant (Remote)Consolidated Analytics Jan 2023 Mar 2023Assessed post-closed loss mitigation programs given to customers during the COVID-19 pandemic.Oversaw audit personnel training, organization, scheduling, and work assignment, guaranteeing efficient operations.Ensured regulatory compliance in developing corporate action plans, undertakings, and operational appeals.Held responsible as a Subject Matter Expert (SME), guiding colleagues on intricate and routine escalated matters.Conducted extensive studies, providing important insights and recommendations to corporate compliance peers.WORK EXPERIENCEExtensive experience with remote work, demonstrating self-motivation, time management, and excellent communication skills.Skilled in analyzing creditworthiness, income verification, asset assessment, and collateral evaluation for mortgage loan applications and compliance reviews.Excellent working knowledge of FNMA/FHLMC guidelines, and QM/ATR as well as strong familiarity and understanding of non-QM and guideline reviews that vary substantially by client.Ability to make sound and informed decisions based on comprehensive risk analysis and thorough documentation review.PROFESSIONAL ATTRIBUTESPROFILE SUMMARY |
