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Click here or scroll down to respond to this candidateCandidate's Name
Leland, NC PHONE NUMBER AVAILABLE (c)EMAIL AVAILABLEPROFILEProfessional with 21 years mortgage experience.oFHA, USDA and Conventional underwriting experienceoFully proficient at evaluating income for credit qualifying including personal and business tax returns (schedules E, C, 1065, 1120, and 1120s)oExperience with Delegated MI authorityoUnderstanding of Full Condominium Review processes.o30 years of face to face, internal service and on-line customer serviceEXPERIENCESecurity National Mortgage Co March 2021 -Dec 2022Remote National UnderwriteroUnderwrite conventional loan programs to FNMA /FHLMC agency guidelines thruoDU-Desktop Underwriter and LPA Loan Prospector AdvisoroUnderwriter FHA loans in accordance with FHA Handbook 4000.1oUnderwrite USDA RD loans in accordance with RD Handbook 3555-21Nations Lending Corp April 2018-Feb 2021National Underwriter III RemoteoUnderwrite conventional loan programs thru FNMA Desktop underwriter, FHLMC Loan Prospector Advisor ordering the appropriate Delegated and Non-delegated thru all MI CompaniesoUnderwriting loans throughout the United States following state specific guidelinesoUnderwrite USDA, FHA Conventional loans to the appropriate guidelines and handbooksBrighton Bank Nov 2017 - April 2018Underwriter - RemoteoUnderwrite Conventional loans to the agency guidelines through FNMA Desktop Underwriter and FHLMC Loan Prospect Advisor.oUnderwrite FHA loans to the 4000.1 Handbook.oUnderwrite State specific bond programs and CHENOA and FHLBoAssisted with trainings loan processors, establishing workflows, to ensure a salable loan.oBegan VA training to obtain LAPP SARS certificationNations Lending Corp May 2016 - Nov 2017Nationwide Remote UnderwriteroUnderwrite USDA, FHA Conventional loans to the appropriate guidelines and handbooksoUnderwrite conventional loans programs thru FNMA Desktop underwriter, FHLMC Loan Prospector Advisor ordering the appropriate Delegated and Non-delegated thru all MI CompaniesGateway Bank Mortgage, Inc. May 2012 May 2016UnderwriteroUnderwrite USDA loans following current 3555 handbook guidelines.oUnderwrite FHA loans according to current 4000.1 guidelines. DE available upon request.oUnderwrite Conventional loan programs including Freddie and Fannie DU Refi Plus and LP Open Access loansoOrder Delegated and Non-delegated MI certification with all MI companies.oResponsible for full condominium review based on investor guideline requirements.Wells Fargo Home Mortgage 2011-2012Underwriter/Quality Assurance Analyst- Home Preservation Division, Addison TX & Raleigh NCoReviewed and analyzed loan modifications for consumers behind in mortgage payments to determine if foreclosure could be avoided. This required direct contact with different levels of management to ensure compliance to investor guidelines.oResponsible for interacting and communicating with legal counsel and third-party vendors.oTrouble shooting and problem resolution for complex issues related to loan modifications.Wachovia Wealth Management 2006-2010Operational Risk Analyst, Raleigh NCoResponsible for implementation and monitoring of new processes required to maintain compliance under the Patriot Act. This required assessment and evaluation of current processes, recommendations for change and implementation of those changes.oResponsible for training and mentoring Wealth Management sales team members in understanding and adhering to regulatory guidelines.oAssisted division in transition to paperless environment which included training on new computer data bases and transfer of all pertinent documents into new data resources.TECHNICAL SKILLSProficient with Micro-Soft Word, Excel, Power Point. |
