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Experienced Mortgage Underwriter with 3+ years experience in evaluating and determining the eligibility of "Conventional" loan applications. Responsible for analyzing and verifying loan applications, evaluating risks, and making loan eligibility decisions. Also responsible in analyzing and rendering complex credit decisions on mortgage loan applications consistent with internal policies and investor guidelines as established by FNMA and FHLMC.
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- Performed loan file review to determine compliance with investor guidelines, underwriting philosophy, policy and procedures.
- Ensure timeliness, accuracy and productivity levels established by management.
- Reviewed sources of income and verifiable income amount in order to ascertain correct debt-to-income calculation.
- Reviewed documentation including flood certification, insurance documentation and property tax information to ascertain that correct proposed loan payment amount was calculated correctly.
- Monitored Loan Scenario email box and answer question within 24 hours, this will involve researching of investor and agency guideline and overlays.
- Determined if LTV, DTI and other criteria comply with lending parameters of various loan programs and investor requirements.
- Worked with Loan Processing Manager to train processors in the most efficient way to process a mortgage loan file.
- Reviewed mortgage loan files for completeness and data integrity.
- Evaluated borrower’s credit and capacity to repay the requested loan.
- Evaluated the collateral securing the requested loan and determining acceptability.
- Authorizing and underwriting loans.
- Reviewed and verified loan applications and supporting documentation.
- Analyzed loan risk and requesting additional information as necessary.
- Prepared reports on assessment findings.
- Made loan eligibility decisions and approving or rejecting applications.
- Reviewed and specifying loan conditions as necessary.
- Ensured compliance with regulatory standards.
- Ensured compliance with company policies and guidelines.
- Documented and effectively communicating reasons for the approval/rejection of loans.
- Returned applications with additional documentation to the loan officer for review.
- Analyzed and evaluate mortgage loan documents to determine loan conditions meet specific standards
San Francisco State University - San Francisco, CA
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