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Click here or scroll down to respond to this candidateSHERMANLEWISEMAIL AVAILABLEPHONE NUMBER AVAILABLEAubrey, TX Street Address
SKILLS Analyze Appraisals Calculate Borrowers Income Analyze Tax Returns Evaluate Credit Reports Proficient with LOS Systems Expert Knowledge of Fannie andFreddie Guidelines Review Assets Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Reverse logistics Complex mortgage loans(including self-employedand multiple rental properties DU LP and AUS Proficient in MS Office Expert knowledge of Excel Effective CommunicationEDUCATIONBeaumont High SchoolSaint Louis Mo 05/1997High School DiplomaPROFESSIONAL SUMMARYConventional Underwriter professional who excels in a dynamic work environment. Detailed oriented, with a surplus of knowledge regarding Fannie, Freddie and investor specific guidelines. Works efficiently and expeditiously in an high volume setting with ease and. WORK HISTORYDelivery DriverCosmos Granite and MarbleJanuary 2023 To Present Deliver Granite and marble slabs locally and OTR Help customers resolve any delivery issues Pick up all returned packages damaged or defected Verify information and references by contacting the right sources Correct mistakes and investigate inconsistencies ECHOES TRANSPORTATIONOTR DRIVERSEPTEMBER 2022 TO JANUARY 2023 Deliver potatoes in 52 foot trailerOTR Help customers resolve any delivery issues Pick up all returned packages damaged or defected Verify information and references by contacting the right sources Correct mistakes and investigate inconsistencies Conventional Underwriter/ NON QM Jumbo LoansSource point Mortgage - Dallas, TXOctober 2020 to October 2022Calculate both W2 and self employed borrowers manually and with the use of blue print. Evaluate the credit history, employment history, and financial status of mortgage loan files to determine credit worthiness in compliance with the guideline requirements Detect and prevent mortgage fraud Completes thorough analyses of loan files to determine compliance with company, investor and Conventional guidelines. Evaluates credit package and collateral for residential mortgage loans to ensure an investment quality loan product. Analyze both Title and Appraisal Run both DU and LPA Maintains company productivity level and comply with designated turnaround time for underwriting Conventional files. Communicates loan decisions to appropriate parties both verbally and in writing. Communicates with appropriate parties, including branch personnel and underwriters to obtain further information, present proposals, and explain company underwriting policies. Complies and provides required reports to management as needed. Keep LOS system/Encompass updated as required. Responds to reviews and audits in a timely manner along with Aptitude for figures and ability to work effectively under specific time constraints Maintains a professional image and adheres to standards consistent with company policies and procedures. Partners with Processing, Sales, Quality Control, and Compliance Teams to complete frontline underwriting of Non- QM suite of products Manual underwriting of income documentation, tax returns, credit reports, preliminary reports, judgments, bankruptcy documents, and appraisals to ensure all necessary documentation is provided and supports final loan decisions Develops and maintains an up-to-date and sound knowledge of non-agency loan product guidelines offered by the company and risk-assessment tools used to decision mortgage loans Maintains acceptable productivity standards and turnaround times Exercises good judgment and issues quality decisions Professionally communicates with loan originators, processors, and management to find solutionsPepsi CoLead Production workerMay 2012 to September 2018 Ensures all bottling operations meet regulatory requirements including OSHA, EPA and TTB regulations. Assist with the overall operation and supervision of all aspects of the bottling line including any personnel assigned to bottling line operations. Conduct proper sanitization, operation and maintenance of all equipment associated with the bottling line. Conduct weekly maintenance on all equipment associated with the bottling line to ensure smooth operation and high quality final product during bottling operations. responsible for assisting in the overall efficient operation of the bottling line during bottling shifts. Maintain bottling records to ensure correct reporting of cases bottled and supplies used. Provide final product quality assurance for all products bottled at the facility. Assist in the care, maintenance and problem-solving of all pumps, hoses, and production machinery. Maintenance of entire production area to include mechanical, electrical, plumbing, and air-conditioning. Complies and provides required reports to management as needed. Responds to reviews and audits in a timely manner along with Aptitude for figures and ability to work effectively under specific time constraints Maintains a professional image and Assist in purchasing and maintaining stock levels on all backup and replacement parts and equipment needed to facilitate seamless operation in the production departmentdheres to standards consistent with company policies and procedures.Ericsson - Warehouse and Distribution ManagerPlano, TX 09/2015 9/12/2018 Monitored and managed stock levels, delivery times and transportation costs to adhere to clients' specifications. Developed standard and emergency operating procedures for receiving, handling, storing, shipping and salvaging products. Increased efficiency and effectively supervised 17 team members to ensure optimal productivity. Increased client retention by providing superior customer service. Supervised all warehouse operations, including shipping and receiving, distribution, and workplace safety. Created and enforced detailed organization processes to increase quality service standards. Maintained high levels of accuracy in daily operations. Supported production workers in meeting goals without compromising safety and compliance. Maintained quality service by establishing and enforcing organization standards. Adhered to industry best practice for warehousing, material handling, and documentation. Recorded information, shortages and discrepancies to keep records current and accurate. Oversaw daily operations and shipping and handling processes. Managed resource allocation and scheduling of all employees. Managed day-to-day operations of warehouse, including freight and parcel shipments, returns and transfers.. |
