Dynamic result driven mortgage professional with 7 years of extensive experience and in-depth knowledge of Fannie, Freddie, and investor specific guidelines in relation to mortgage underwriting. Able to handle multiple tasks and high volume with efficiency and effectiveness.. Substantial leadership experience gained in course of employment history and the U.S Army National Guard.
Skills
DU, LP, and Manual Underwriter
Encompass
DTI Ratio and LTV Ratio
Financial Document Review
Teamwork and Collaboration
Organization and Time Management
Non-QM Markets
Fannie Mae and Freddie Mac Guidelines
Self-Employment Income Calculations
Work History
Mortgage Loan Underwriter II, 09/2014 to Current Lithia Motors – Agoura Hills, CA,
Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Able to grasp concepts quickly, make sound decisions and ability to communicate effectively with peers, Investors, and branch associates.
Underwrite Non-QM loans in accordance to investor guidelines - 12/24 Month Bank Statement loans, DSCR, Full Documents, and other loan programs.
Successfully complete an average of 3 initials daily, and a 24- 48 hour resubs review.
Trusted with lending authority of $1,000,000.
Experience with various income sources from wage earners, self-employed (1120s, 1065, etc.), seasonal and rental income to qualify borrowers for loan productions.
Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received.
Review documentation for compliance with internal and regulatory guidelines.
Correspond with processors to get outstanding documentation needed to complete requirements per the commitment.
Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Balance risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Review and edit loan agreements to promote efficiency and accuracy.
Successfully closed average of 30 loans per month.
Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
Submitted 15-20 loan applications with recommendation for underwriting approval monthly.
Contacted credit bureaus, employers, and other sources in order to check applicants' credit and personal references.
Maintained long-term relationships with customers to provide best-in-class customer service.
Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Set up and completed loan submission packages.
Evaluated approvals against established bank and government lending standards.
Reviewed financial statements and contacted institutions and customers to clarify details.
Handled any conditions sent from underwriting departments.
Prepared documents for underwriting by verifying client income, credit reports and other information.
Accounting Assistant, 12/2009 to 11/2012 First Coast Security Services – City, STATE,
Performed clerical office tasks, such as filing, data entry, processing mail, Answer telephone, scheduled examinations by coordinating appointments provided payroll information by collecting time and attendance records.
Operated E-Verify to check applicant’s employment eligibility verifications.
Processed transactions, issuing checks, and updating ledgers, budgets, etc.
Prepared financial reports, assisting with audits, fact checks, and resolving discrepancies.
Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
Investigated daily variances and corrected errors to resolve discrepancies.
Completed weekly check runs and maintained accounting ledgers by verifying and posting account transactions into accounting system.
Reported financial data and updated financial records in ledgers and journals.
Education
Bachelor of Science: Criminal Justice, Expected in 05/XXX2 American Military University - Online, GPA:
Additional Information
Patient Administration Specialist - U.S Army National Guard
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