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| | Click here or scroll down to respond to this candidateCandidate's Name
EMAIL AVAILABLE PHONE NUMBER AVAILABLE Orlando, FLSUMMARY Seasoned Senior Underwriter with 15 years of experience in mortgage underwriting, specializing in analyzing complex tax returns and assessing asset statements. Expert in title review, risk mitigation, and AUS proficiency; adept at mentoring and collaborating with cross-functional teams. Seeking to leverage expertise as a Mortgage Underwriter to ensure loan compliance and financial stability. WORK EXPERIENCE Discover Financial ServicesSenior Underwriter/Conventional Jun 2022 - Present Conduct comprehensive analysis of complex tax returns for loan qualification purposes. Evaluate intricate asset statements to verify sources and ascertain their viability for financial transactions. Verify property titles to confirm the precedence of current loans for secured lien positioning.Better MortgageSenior Conventional/Jumbo Underwriter Feb 2020 - Mar 2022 Conducted thorough analysis of intricate tax return forms, including 1120, 1120S, 1065, and Schedule C, to ascertain borrowers' financial stability and income. Evaluated extensive asset statements to verify their origins and ensure their appropriateness for securing loans. Reviewed and confirmed clear titles, ensuring they were free of liens and encumbrances to maintain loan integrity and compliance. Wells FargoSenior Conventional Underwriter IV/FHA Jun 2012 - Feb 2020 Performed in-depth analysis of complex tax documents and financial statements, ensuring borrowers' cash flow sufficiency for loan repayment. Executed thorough loan evaluations, incorporating risk assessment strategies to protect organizational interests. Provided mentorship to junior underwriters, enhancing their proficiency in handling intricate loan cases.EDUCATION Boise State UniversityBusiness Administration, FHA Direct EndorsementCertificationBoise, IdahoCERTIFICATIONS FHA Direct Endorsement Certification SKILLS Mortgage Underwriting Operations Transparent Communication Performance Management FHA/Conventional/Jumbo Loans NON-QM Training & Mentorship Quality Assurance & Control Problem-Solving Motivational Team Leadership DU/LP Manual Underwriting FNMA/FHLMC |