Objective: Obtain a job as Accounts Receivable Lead Profile: I am a self-motivated, hardworking mortgage underwriting professional. I bring with me seven years of mortgage underwriting experience. Just finished my master's degree, 2/2013 and now working on the NMLS certification, expected time to finish is end of June, 2013 PERSONAL SKILLS: Outstanding verbal and written communication skills* Superior Interpersonal skills* Team oriented* Detail oriented* Time management* Ability to prioritize.* Problem solving skills* stellar customer service/care* dependable* Works independently, confidential* Management skills* organization skills* leadership skills* Mathematical* Presentation.
Bank of America
Contracted thr' Aerotek- Reason for leaving- 18 months contract ended Mortgage Underwrite QA- FHA, VA, GSE and Conventional Loans Performed mortgage underwriting Quality assurance on approved and declined loan files from an underwriter, to ensure file meets requirement and guidelines.
Verified used documents are up to date.
Analyzed and reviewed documents which included performing analysis on, 1.
Debt and asset analysis 5.Loan value 6.Loan to value ratios 7.
Appraisal review 8.title review 8.
Income/asset analysis, 10.
Title analyzes 11.Fund analysis Verified information listed on the loan.
Evaluated customer profile as per strict compliance standards.
Assessed the risk profile of the applicants based on the 4 Cs determining the appropriate risk class the underwriter used.
Evaluated various ratios to find if underwriter came up with the right calculations.
Reviewed closed loans.
Ensured that the loan meets all the company guidelines, p.
Loan Modification Underwriter12/2009
Performed Modification on loans which included changing the interest rate, extension of the term, capitalization of principal amount.
Checked the credit report of the borrower to ascertain his credit & repayment history Reviewed, Derive and validated the income of the borrower from the income on documents.
Modified a loan for the entire tenure by changing the interest rates & monthly mortgage payments Met the Investor, Servicer and Mortgage insurer guidelines with great accuracy and efficiency Analyzed loan history, asset attributes, and investor guidelines to find if the modification is appropriate Checked to see if homeowner qualified for the Hamp/Non Hamp modification program.
Determined financial capacity and commitment of each homeowner Provided customized modification solutions in order to provide the right solution for the homeowner.
Re-underwrote loans based on customer's financial position and repayment capacity.
Calculated the Net Present Value of the property and determining the best pos.
HSBC INC Lewisville Reason for leaving
Back- end underwriter Performed income, credit and property analysis on conventional loan files submitted within the time frame established by departmental management Performed timely reviews of conditions submitted a well as loan resubmissions Maintained quality and production standards as defined by business Provided exemplary customer service to both internal staff and external customer by explaining credit decision and offering alternative options when needed.
Provided prompt, courteous and excellent service at an acceptable cost to all customers and operate in accordance with the company's standards Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers Actively cooperated and interact with all entities of the client Performed other job related duties and special projects as required CITI FINANCIAL -Dallas Reason for leaving -Distance compute.
Back- end underwriter Ensured that the corporate operating standards and compliance are met in underwriting Ensured the customer service commitments are met.
Reviewed all items and conditions provided by borrowers and ensure they meet the required guidelines.
Reviewed items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor.
Ensured pricing met company guidelines Ensured quality control standards are met so company is able to sell loan.
Ensured all credit decisions meet compliance standards.
Monitors property appraisal process to ensure value of property is accurately presented.
Masters: Project Management2/2013Northwest Christian University-
B.A: EducationJune, 2004-
NMLS certificate - Allied School of real estate 1/2013-(preparing for the state/National test)
FHA Underwriting Certificate, 12/2012
DU certificate Fannie Mae, 3/2013:
Supervised a team of twelve underwriters for 6 months.
Acted as a SME for 16 months, couching and giving feed back Chosen as a top performer for eight months in a row.
Have attained extensive experience in underwriting FHA, VA, Fannie Mae/Freddie Mac and conventional loans.
Have attained skills in Couching, training and giving feedback.