Home Service Specialist Iii Underwriter resume example with 20+ years of experience
Driven Senior Loan Processor with extensive background in mortgage lending. Strong ability to work within teams and multi-task projects under strict deadlines. With over 26 years' experience in the Mortgage industry, with at least 6 years management experience. Experience with Residential Loan Underwriting of FHA, VA and USDA as well as FNMA & FHLMC loans. Knowledge, training and experience in the Home Affordable Refinance Program (HARP) underwriting guidelines, policy and procedures. Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual loan requests and products within company and industry guidelines.. Extensive experience in loan document signing and closing procedures. Communicates with customers, internal staff, escrow and title companies, etc. to respond to inquiries, resolve problems and obtain all necessary documentation required for approval of the loan file.
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- HSS II with credit signing authority within company delegated limits.
- Responsible for clearing conditions and issuing changes to the terms on previously approved loans and but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may processes subordinations; resolves appraisal disputes; depending on channel, may coordinate closing activities.
- reviewing financial statements, credit reports, and applicable ratios (i.e.
- Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent.
- Knowledge of both processing and underwriting conforming loans.
- Collaborated with loan originator or production staff to secure all required documents.
- Assist with re-negotiations of loans based on lending guidelines.
- Calculates income using documentation required per investor, questioning any large changes in income as well as assets statements, collateral and vesting requirements.
- Calculate net tangible benefit for those states/programs that require this test.
- Review final conditions turned in for Underwriting Final Approval.
- Managed the day-to-day goals and long-term strategic activities within the business to ensure success.
- Offered feedback to executive-level management on the effectiveness of strategies, selling programs and initiatives.
- Perform a variety of key investor-relations functions, addressing inquiries of current and potential shareholders, communicating with marketing department regarding investor-relations initiatives, and maintaining investor database.
- Collaborated with wholesale and direct lenders nationwide, to insure proper production of pipeline.
- Managed staff of processors, set up team and closing team with training, managed the daily and monthly production while delivering increased quarterly closings.
- Coordinated and hosted successful client seminars, creating invitations and promotional materials, booking venues, and selecting guest speakers from banks and vendors locally.
- Actively worked with processing, origination, drawing of closing loan documents, funding and arranging closings with average closings with branch..
- Strong using various mortgage loan processing and loan origination software such as eMits, Encompass, eMagic, CLUES, DU and LP; Calyx Point, Genesis and Byte.
- Processed purchases, refinances, 2nd T.D., Home Improvement and Helocs, Processed subprime and prime loan packages to determine if lender requirements are met.
- Ability to handle various duties.
- Knowledge of different stages of loan production from origination to closing.
- Managed the production of high volume loans for various brokers nationwide in a wholesale environment.
- Processed mortgage loan originators and production staff with local banker for residential loans.
- Knowledge of FNMA,FHLMC, FHA and VA underwriting guidelines.
- Resolved suspense conditions, communicated well to facilitate loan closings.
- Multi-tasker, with the ability to meet deadlines, and work with all levels of production, technical and administrative staff.
- Processed loans for a nationwide lender for purchases, refinances and home improvement loans.
- Closed primarily difficult subprime loans.
- Work well under pressure and able to handle the many deadlines given.
- Played key role in design of inter-office intranet, collaborating with brokers nationwide to identify and define essential products that supports clients needs.
- Significantly reduced time required to prepare and distribute quarterly financial reports by spearheading implementation of electronic reporting procedures.
Management, processing, underwriting, administrative, closing, communications skills, credit, client, clients, customer service skills, database, documentation, financial reports, reviewing financial statements, investor-relations, loan origination, Mac, marketing, Microsoft Excel, Microsoft Office, office, mortgage loan, operating system, prime, processes, processors, promotional materials, quality, QuickBooks, reporting, risk-assessment, Self-motivated, Teamwork, type 60 wpm,
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Resume Overview
School Attended
- DEVRY UNIVERSITY
- CALIFORNIA STATE POLYTECHNIC UNIVERSITY
Job Titles Held:
- Home Service Specialist III/Underwriter
- Sr. Loan Processor/Branch Manager
- Sr. Account Manager
- Loan Processor
Degrees
- Bachelor of Science
- BS
- Bachelor of Science
- Certificate in California Fair Housing - Obtained
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