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Click here or scroll down to respond to this candidateSummarySkillsExperienceCandidate's Name
Stone Mountain, GA 30083 PHONE NUMBER AVAILABLEEMAIL AVAILABLEMotivCandidate's Name professional with over 25 years of mortgage operations and management experience in wholesale, retail, and correspondent lending. Expertise in mastering mortgage software and applications, consistently meeting or exceeding deadlines and quotas. Diplomatic and tactful in handling sensitive records, providing constructive feedback, and producing accurate reports. Highly adaptable with strong teambuilding skills and a self-starter attitude. Project ManagementReport PreparationWritten CorrespondenceGeneral Office SkillsComputer SavvyManagementLeadershipUnderwriting AnalysisProblem SolvingMicrosoft OfficeOffice OperationsFNMA/FHLMCFHA/VAUSDAHELOCNon-QMJumboCounter Party Credit RiskHedge FundEncompassData TracByteACESTENA QC SoftwareOcrolus AI-Empowered CertifiedDue DiligenceQC QA audits and RemediationManaging riskRisk MitigationCredit analysisLoss MitigationQuality ControlPost-Funding Quality Underwriter, 09/2022 Current Movement MortgageRe-underwrites the income, credit, assets, and appraisal Determines if the loan file documentation satisfies agency/investor requirements Performs a credit risk analysis on each fileCommunicates findings to the appropriate Operations Underwriter. Performed post-closing reviews FHMLC, FNMA, USDA, FHA/VA and EPD loans to determine origination underwriting deficiencies against Investor or MI guidelines Sr. QA/QC Analyst, 02/2020 08/2022American Financing CorporationPerformed a thorough re-underwrite of the first mortgage loan files are completed accurately and timely Maintain knowledge of all industry changes and can train new staff accordingly with workflow of a loan review, help understand checklist, data base and how to find the product manual and policies and procedures In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set Provide exceptional customer service in all written and verbal communication to both internal and external customersMeet or exceed productivity levels established by Management and credit quality standards. Sr. QC Pre-Funding /Post Closing Underwriter Team Lead, 04/2013 01/2020 American Financial ResourcesPerformed prefund reviews on FHLMC, FNMA, USDA, FHA/VA loans submitted for Retail, Wholesale and Correspondent lendersEducationPerformed post-closing reviews FHMLC, FNMA, USDA, FHA/VA and EPD loans to determine origination underwriting deficiencies against Investor or MI guidelines Reviewed loan documents for completeness, accuracy and misrepresentation, ensuring the company and agency guidelines were metPerformed credit Candidate's Name for one to four family unit residential loans Identified all avenues of recourse options available Entered all necessary data into the database, to be reviewed and, continuous analysis may be performed, and client reports deliveredAssisted on issues regarding lending policies, procedures and system guidelines. Underwriting Support Help Desk/ Sr. Underwriter, 07/2012 04/2013 Real Estate Mortgage NetworkRepresented the company in a professional and enthusiastic manner by providing an exceptional level of customer service, supporting the mission statement, and adhering to our core values in all functions of their job responsibilities and interaction with internal and external customers Reviewed and approved specific loan scenarios/opinion requests adhering to REMN product descriptions and/or overlay requirementsAssist production in analyzing loan details to provide guidance on possible alternative solutions Coordinates with the REMN Chief Credit Officer, Corporate Underwriting Exception Manager and/or Regional Underwriting Manager, as applicable, on any required exceptions to REMN policies Proactively communicates with the processing and sales staff on the status of all loan scenarios/opinion requests and assists where possible in recommending counter offers for those that do not meet the guidelines for products as submitted.Independent Mortgage Contract Underwriter, 12/1999 07/2012 On-site and remote contract mortgage insurance underwriter for Triad, Genworth Financial and RMIC for several banks, credit unions and mortgage companiesFraud and misrepresentation underwriter on non-performing primary & pool insured loans with Genworth Financial Team Leader for new hire auditors and maintain responsibility for office workflow process which includes quality control and volume standardsRe-verified income and asset documentation with 3rd party vendors to confirm accuracy Analyzed new credit reports, bankruptcy documents and Lexis-Nexis reports for undisclosed trade lines opened within 30 days of original loan closing, income and address discrepancies Full credit and property manual underwriting following FNMA/FHLMC/Private Investor Guidelines Conducted in-depth investigations into all aspects surrounding the mortgage transaction, to determine if outside investigations are requiredRequested missing documents from the lender/bank required to complete loan investigation Prepared rescission letters for loans with confirmed and documented fraud and misrepresentation Continuous ongoing communication with brokers to approve loans or cure loan deficiencies on closed loans. SR. Account Underwriter, 12/1993 12/1999PMI Mortgage InsuranceUnderwriter for mortgage loans to determine mortgage insurance of eligibility and to ensure mortgage loan compliance with Freddie Mac, Fannie Mae, Sub-Prime, and HUD guidelines for various mortgage lending institutions in the Metropolitan Atlanta areaCandidate's Name sound lending decisions for one to four family unit residential loansIncluded responsibilities entailed office process and workflows. Branell Women's CollegeBachelor's Degree Business AdministrationFashion Institute of AtlantaCertificationsAssociates Degree Retail MerchandisingDE Underwriter Designations - VA SAR LAPPCapstone Institute- Underwriting Certification FHA/VA Mortgage Loan Processing, Underwriting |
