By focusing on attention to detail, following regulatory guidelines, and mastering the ability to create an efficient work flow in order to more effectively carry out all
required job duties. Specializing in high volume and compliant output of files to maximize time and minimize deficiencies in files. Looking to add to my underwriting abilities to
broaden my knowledge of underwriting in its various categories buy using skills provided to me in my previous roles.
Summary of Skills
Microsoft Word, Excel, PowerPoint, Publisher, Matrix Database, Adobe Photoshop, Illustrator, InDesign, Mortgage Builder, Encompass360, DU and LP.
Junior Underwriter/Team Lead March 2015 to CurrentHome Point Financial Corporation - Parsippany, NJ
Analyzing and evaluating three main customer data points: Ability to repay the loan, Apparent willingness to repay the loan, and Existing assets and collateral · Thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure saleability of closed loans.
Communicating loans decisions to clients/internal departments in a timely fashion and ensure compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers.
Maintaining company service level and turn-time standards.
Maintain constant communication with customers regarding the status of files.
Analyze creditworthiness of each borrower in regards to their loan application · Review and complete all identity verification · Follow product guidelines for, Conventional, HARP, JUMBO,FHA,USDA, and VA loans to reach credit decisions · Review and calculate all w2, retirement and Self- employment income for accuracy.
Account Manager June 2012 to March 2015Maverick Funding Corporation - Parsippany, NJ
Wholesale · Maintain a pipeline of 40+ wholesale loans.
Review and clear flood, title, LDP/GSA's, appraisal reviews · Maintain constant communication with brokers regarding loan statuses, closings, etc.
Prepare counter offers and adverse action letters · Re-disclose loans based on REG Z and RESPA guidelines · Verify loan is compliant with ATR/QM regulations and state regulations · Keep an active pipeline by monitoring inactive loans daily · Follow product guidelines for, Conventional, HARP, JUMBO,FHA,USDA, and VA loans · Coordinate loan closings with brokers · Review all w2, 1099, and k1 income for accuracy.
Loan Coordinator May 2009 to June 2012CUMAnet - Basking Ridge, NJ
Managed a pipeline of 168 active loans from initial review to approved status · Point of contact for all borrowers regarding the purchase of new homes and mortgage refinances · Retrieve and review borrower credit information · Order and review appraisals and flood certifications · Assess all borrower income information · Review and clear approval conditions · Re-Disclose Good faith Estimates in compliance with RESPA · Submit loans through Desktop Underwriter and Loan Producer in Compliance with Fannie Mae and Freddie Mac guidelines.
Administrative Assistant May 2008 to August 2008Affinity Federal Credit Union - Basking Ridge, NJ
Prepared invoices for auditing purposes · Managed calendar and appointments for AVP of External Affairs · Designed and prepared meeting presentations and materials.
Branch and credit union membership communications · Coordinated Logistics for corporate events.
Bank Teller May 2007 to August 2007Affinity Federal Credit Union - Basking Ridge, NJ
Responsible for sales of various financial products (Money Market Accounts, CD's, Savings Bonds) · Provided Customer Care to Credit Union Members · Mastered cash handling abilities (cash transactions, deposits, and account transactions).
Bachelor of Social Science : Liberal Arts and Social Science Political Science Pre-Law, May 2009DeSales University - Center Valley, PALiberal Arts and Social Science Political Science Pre-Law
ECornell Present Financial Management Certification Program.Cornell University
HAME507: Mastering The Time Value of Money, HAME508: Making Capital Investment decisions HAME509: Risk and Return: How to Identify, Measure, and Incorporate Into Capital Budgeting Decisions, HAME510: Raising Capital: The Processes, The players, and strategic Consideration, HAME513: Understanding Financial Statements, HAME514: Using Ratio Analysis to evaluate Financial Performance