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Cell: PHONE NUMBER AVAILABLE E-mail: EMAIL AVAILABLEEducationMBA, VIU September 2006-Dcember 2008Bachelors in Banking, TFI September 2001-June 2005Professional ExperienceAston CarterHELOC UW June 2022-February 2023Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employmentGathering, analyzing, and interpreting credit information for existing and prospective customers to assess credit quality and minimize risk and potential loan loss.Analyzing financial statements and related materials including spreading financial statements for borrowers and guarantors.Preparing a written presentation of the pertinent credit and financial information for loan committee approval.Maintain relationships with vendors and service providers and manage contract and price negotiations.Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficienciesPerforming other duties and special projects as assignedBayview Asset ManagementUnderwriter/Credit Analyst April 2021-April 2022Underwrite the file with FNMA/FHLMC guidelines, portfolio/private Investor loansSupportive environment that offers autonomy, customer service and a commitment to doing it rightApplying knowledge of conventional and/or government guidelines, federal lending regulations governing real estate lendingPreparing financial projections and sensitivity analysis.Maintain relationships with vendors and service providers and manage contract and price negotiations.Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficienciesPerforming other duties and special projects as assignedSourcepointUnderwriter April 2020-April 2021Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employmentCoordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficienciesMaintain relationships with vendors and service providers and manage contract and price negotiations.Performing other duties and special projects as assigned.Mortgage One SolutionsUnderwriter/Accounting Assistant November 2017-April 2020Assist in the account payable processProvide support to the cash receipts and accounts receivable functionPerform purchasing functionsServe as lead for document retention practicesBuilds and maintains cooperative work relationships with others. Completes tasks for group projects in a timely and responsible manner.Making presentations on variable projectsPerforming other duties and special projects as assigned.Homeside Financial LLCSr. Loan Processor/Jr. Underwriter/Credit Analyst March 2015 October 2017Verifies, compiles, and reviews application information for mortgage loansReviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employmentManage office supply inventory. Serve as a liaison to the Marketing department for specific printed materialAssist HR Manager with new hire onboarding as neededManage office supply inventory, ensuring the relevant supplies are stocked and maintain office equipmentPerforming other duties and special projects as assigned.George Mason Mortgage LLC August 2012 March 2015Loan ProcessorReview initial loan approval and work with borrower to gather appropriate documentationCollect all required documentation for the loan packageDetermine if the file can move forwardCreate a loan submission package for the Underwriting DepartmentManage office supply inventory, ensuring the relevant supplies are stocked and maintain office equipmentSatisfy all conditions when received from UnderwriterEndure that approval falls within the established lending guidelinesMarion Mortgage LLCLoan Processor April 2012 July 2012Review documentation (i.e. tax returns, bank statements, pay stubs, etc) to make sure everything meets program guidelines and sign off on received conditions once underwritten.Review file documentation to ensure all necessary items have been requested (i.e. purchase contracts, bankruptcy papers, trust documents, etc)Order and review all necessary AUS, appraisal and title documentation, as well as all required credit and underwriting documentationTD Bank January 2009-April 2012Sr. Customer Service Representative/ Certified Consumer LenderBorrowers credit analysis, prequalificationExplain the consumer lending processDescribe various loan productsUpdates and validates the accuracy of all data within the loan origination system within specified time frames.Ensures loan documentation is complete and accurate according to TD Bank policy requirements, lending guidelines and compliance regulations.Virginia International University, Fairfax, Virginia September 2006 December 2008Accounting AssistantAssist in the account payable processProvide support to the cash receipts and accounts receivable functionOverall support as neededProvide support to the CFO as neededPerform purchasing functionsManage office supply inventory. Serve as a liaison to the Marketing department for specific printed materialServe as lead for document retention practicesProcess tuition payments |
