| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateCandidate's Name
Street Address Phone: PHONE NUMBER AVAILABLE Email: EMAIL AVAILABLEOBJECTIVE: Utilize My customer service skills to increase productivity and successful customer engagement.SUMMARY: Originate or underwrite while performing complex analysis of Conventional, Jumbo, FHA, VA and USDA Program loans. Substantiate for completeness, accuracy, and compliance; analyzing and evaluating borrower profiles including but not limited to all personal and business assets and income documentation, tax returns, credit history, judgments, foreclosure, divorce or bankruptcy documents, reviewing and clearing title and appraisals to determine feasibility of granting loans. CHUMS ID 5 Years in Originating Non-QM NOO Bank Statement, Investor Cash Flow and Asset Depletion Loans Front-line underwriting following latest guidelines for Agency and Government from preapproval to closing, including title and appraisal review of conventional & FHA loans, clearing front line loan level conditions on a national level. Perform intricate review of loan documents analyzing all types of assets and income statements, title commitments, contracts, trust documentation, POAs, personal, corporate and business tax returns, profit and loss statements and balance sheets. Utilize Encompass for underwriting complex residential loans within fair lending regulations, Reg Z, TIL, and including any overlays and all required FHA/USDA/VA Government Regulations or FNMA/FHLMC Agency and Investor Overlays. Develop solutions to complex issues and carry out investigative assignments to achieve results. Excellent interpersonal, organizational, prioritization and time management skills. Reputation for quality, timely completion of projects, studying and grasping complex regulation and guidelines. Effective communicator. Polished telephone, interpersonal, and writing skills. Energetic, patient, and diplomatic. Ability to handle a high-volume workload. Able to balance competing priorities and tight deadlines. TECHNICAL EXPERIENCE: Knowledgeable, efficient operations and risk analysis professional understanding the principles of risk management with efficiency in TRID, ECOA, HMDA, FCRA and other regulations. Deep understanding of compliance and federal and state consumer laws and regulations, including RESPA/TILA, eSign, BSA, TRID, Dodd Frank, Reg B, Reg C, Reg E, Reg Z, Fair Credit Reporting Act, FACT, Fair Housing Act, SAFE Act, ATR/QM requirements including 136 hours of continuing education Adopting Best Practices for Pre-funding QA and Post-Close QC Utilize Encompass Dashboard and Pipelines, Loan Beam, Blueprint, BLEND, Data Verify, various Flood, Fraud and Tax systems Working knowledge Web-based guidelines of Fannie Mae Selling Guides. USDA 3555 Handbook, FHA 4000 handbook, VA Lenders Handbook, Rule Tool, Market Clarity & Ask Poli, All Regs Working Knowledge of Fannie Mae Encompass, Mortgage Coach, Mortgage Builder, Mortgage Machine, Octane and Calyx Point. Proficient in computers including Windows applications including Excel, Word, PowerPoint. Ability to adapt/ learn/utilize multiple software programs.WORK EXPERIENCES:11/13/2023 Earned Certified Residential Underwriter II through Mortgage Banker Association 4/4/2023 Current: CMA, Certified Mortgage Advisor, Cardinal Financial, Colleyville, TX 76182 10/2020 4/4/2023: CMA, Certified Mortgage Advisor, Nations Reliable Lending, Houston, TX 77058 11/2020 - 10/2022: DU Certified & CMU Conventional Underwriter, Keller Mortgage, Dublin, OH 43016 8/2020 11/2020: Senior Mortgage Banker Cardinal Financial, Plano, TX 75093 05/2019 5/2005: Senior Mortgage Broker, Houston, TX 77027 as listed on NMLS Registry LICENSES AND CERTIFICATES: 11.2023 Mortgage Bankers Association Underwriter, Certified Residential Underwriter, Level II, National Association of Mortgage Underwriting Certification includes Underwriting Construction-to-Permanent Loans, Underwriting Beyond the Basics, Risk Assessment Using Credit Scores, Regulatory Compliance in Loan Origination, Detecting Mortgage Loan Fraud, 2.2023 CMA: Certified Mortgage Advisor by the Barry Habib team at MBS Highway 06.2022 FHA/VA, FHA Direct Endorsement DE Certified. 10.2022 Mortgage Bankers Association Underwriter, Certified Residential Underwriter, Level I, MBA. National Association of Mortgage Underwriting Certification includes Single-Family Appraisals, Personal Tax Returns, Self Employed Analysis, Automated Underwriting, Residential Underwriting, Mortgage Banking Primer. Due Diligence Manual Underwriting, TRID Training, FHA New Rules, Self-Employment Analysis, ATR/QM; RESPA & TILA Requirements, Anti-Money Laundering (AML), Fair Lending Compliance, Mitigating Fraud, Privacy & Regulatory Compliance, Avoiding UDAAP. Appraisal Standards for FHA. Nationwide Mortgage Licensing System & Registry License # 215973 expires 12/31/2024. MEMBER, Past and Present: Cindy Ertmans Millionaire Mortgage Club, MBS Highway, Mortgage Bankers Association, National Assn of Mortgage Underwriters, Mortgage Coach, Mortgage Market Guide, National Assn of Professional Mortgage Women, Women's' Council of Realtors, Texas PTA Lifetime Member |
