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Click here or scroll down to respond to this candidate1Candidate's Name #PHONE NUMBER AVAILABLEEMAIL AVAILABLEGilbert, AZExtensive experience of 24 Years with DU and LPTwelve (12) years of recent Underwriting experience and three (3) years in a supervisory roleQuality Analyst Sr Underwriter Team Lead and ManagerAssisted in training for Loan Officers Underwriters & ProcessorsUnderwriting Jumbo, Conventional, and Non QM loansAbility to perform standard credit, income analysis, & appraisal reviewLOS Desktop, MSP, Federated Search, and ALLREGSTIAA, PENFED, CHASE, WELLS FARGO, SG CAPITAL, ANGEL OAK, DEEPHAVEN, GOLDMAN SACHS, ARC, MAXEX, DATA VERIFY, FRAUD GUARD, CLEAR CAPITAL, ENCOMPASSCreativity, flexibility, integrity, and a commitment to customer supportProven management experience, as a team lead or similar roleAdvanced knowledge of mortgage lending principals and technologies, industry rules and regulations to meet sales targets and production goalsAbility to effectively communicate both verbally and written, exercise independent judgment and comprehend complex instructions, technical and financial materials and forms related to assigned dutiesObjectiveTo make a positive impact on the environment, community, and the planet at a leading sustainable bank within a leadership role with significant banking experience to fill the role that supports loan transactions. Identifying areas of need and developing new account relationships while expanding existing ones.Advanced EducationSCOTTSDALE SCHOOL OF BUSINESS AND REAL ESTATE 1999 Received certification for residential mortgage loans certified by the Arizona Mortgage Bankers Association.ExperienceCorporate Job Bank 11/21 CurrentPOSITION: REMOTE* MORTGAGE CONTRACTORVarious temporary mortgage banking assignments, including customer service, compliance, and underwriting. Completed all Mortgage Fair Lending related training courses, and state banking compliance regulation classes Guaranteed Rate 05/21 10/21POSITION: REMOTE* SR JUMBO NONQM UNDERWRITER Frontline underwriting of jumbo and specialty loan products, conducting credit obligation risk reviews, manual underwriting, calculating income and assets for wholesale and correspondent loans. Apply needed conditions to mortgage submissions and assure loans meet program/product specifications. 2Movement Mortgage 07/2017 01/2020POSITION: REMOTE* TEAM LEAD Responsible for supervising the review of Underwriting to ensure adherence to workflow process and identify process optimization opportunities. Participated in client underwriting meetings Hire, train, and manage underwriting staff while a point of contact for problem resolution. Managed the overall workload including load balancing and management of rush requests. Developed and monitored staff performance against stated objectives. Act as the senior-level resource for underwriters and answer procedural, product, or systemic questions as they arise. Additional related duties performing due diligence quality review of partnering underwriters, by providing a detailed review of wholesale and correspondent approved loans, including credit, income, asset analysis. Manual underwriting loans at this level of certification Bank of America 10/2015 04/2017POSITION: SR JUMBO UNDERWRITER Primarily $1mm loan amount, many of these transactions require in depth individual and corporate tax return analysis for self-employed applicants and/or executives with layered ownership interests in multiple companies and or entities. Asset review oftentimes is equally complex due to higher net worth borrowers with multiple sources and percentages of liquidity including cash, vested stock shares, multiple retirement vehicles and equity ownership interests that must be utilized for qualifying purposes. Manual underwriting loans at this level of certification Chase Bank 08/2011 10/2015POSITION: SR JUMBO UNDERWRITER Underwrite a full range of mortgage loans including agency and jumbo Reviews to insure GSE requirements are met on all loans as well as Chase overlays Reviews for Fraud and all red flags addressed or escalated as appropriate Support to Operations, Sales and Clients in conveying Chase underwriting philosophyChase Bank/ACCOUNTANTS INTL. 05/2011- 08/2011POSITION: QUALITY CONTROL ANALYST Audited complete loan and foreclosure files based on audit procedures Post Closing Secondary market Retail and Wholesale compliance Quality Control acknowledgment of all products and requirements for accuracy Cross-trained in loan default research and repurchase demand recommendation Facilitated data analysis and data validation of daily production for the attorney general DOJ settlement file review and compliance3Wells Fargo 12/2009 08/2010POSITION: UNDERWRITER Experienced in a team environment helping customers through Loan Modification process Experienced in reviewing and analyzing loan documents provided by applicants Excellent time management regards to loan balancing Ensured a successful execution and customer support during the loan process Charles Schwab/ ADECCO STAFFING; 10/07 02/08POSITION; RETIREMENT ACCOUNTS ANALYSTCorporate customer service and collaborative relationship-focused work style with demonstrated success in a team environmentServed as a point of contact for business managers and third parties to provide guidance, answer questions, and advise on status for onboarding, risk assessment, and payment activitiesSupport the end-to-end process for third party onboarding including but not limited to sourcing activities, supplier registration, third party risk assessments, payroll, invoicing, and contract complianceReconciled 401k loan payments and stock allocation account deposits into internal accounts. Reviewed reports to payment allocations daily for accuracy and resolved any discrepanciesPacific Gold Mortgage LLC; 10/06 08/07POSITION; LOAN PROCESSING MANAGERResponsible for mortgage processing personnel, including managing for a team of 10 loan processors. Directing activities, hiring, training and evaluating personnel. Directing all operational aspects including file distribution, customer service, human resources, administration and sales in accordance with the banks objectives.Developing forecasts, financial objectives and business plans. Identify local market conditions current and prospective sales opportunities to meet goals and metrics. Locate areas of improvement and corrective actions that meet challenges and leverage growth opportunities. Network with account executives regularly to improve the sales opportunity presence and reputation of the branch and company. First National Bank of Arizona; 07/05 10/06POSITION; QUALITY CONTROL ANALYSTAudited loans for compliance at two large Tempe mortgage companies for allocated loan pools to be sold in the secondary market.Operations department internal controls audit work performed and decisioned drafts well written, clear, and concise audit reports presented in findings to the Internal Audit Management and Business ManagementReviewed fully executed final HUDs Broker fees, Note, Deed of Trust, legal description, final application, and the initial disclosures for compliance |
