Joy Brown

Houston, TX

CAREER OBJECTIVE:

Utilize extensive mortgage banking knowledge to aide in the delivery of quality, profitable loans.

CAREER QUALIFICATIONS:

-Eleven years of comprehensive residential mortgage underwriting experience

-Available to relocate or travel for Full-Time/ Contract employment, and training. Willing to work OT

-Expert ability to utilize dual monitors and/ or laptops, in remote and on-site paperless environments

-Extensive knowledge of documents, investor guidelines, compliance regulations, and loan lifecycle

-Effective team builder, Ability to efficiently achieve independent production goals within deadlines

-Highly detail oriented, Expert ability to organize, analyze, and interpret data from multiple sources

-Strong financial risk analysis, Creative ability to “think outside the box” when rendering decision

-Fast learning, Flexible in adapting to ever-changing policies, procedures, and responsibilities

-Professional customer service and communication skills, via verbal and written presentation

CAREER EXPERIENCE:

Origination Underwriter:

10/2011-Current - Chase - Sr. Retail Underwriter - Permanent - Manual and Automated

08/2011-08/2011 - PHH Mortgage - Contract - Manual and Automated

08/2010-12/2010 - Sutherland Global - Contract - Manual and Automated

06/2003-06/2004 - Washington Mutual - Contract - Manual and Automated

02/2001-12/2003 - Management & Technical Solutions (MATS) - Permanent - Manual

-Decision purchase and refinance transactions for conventional, non-conforming, and HARP programs

-Contact internal/ external customers and vendors regarding file status, conditions, counter offer options

-Evaluate DTI/LTV ratios, qualifying income, payment shock, loan terms, etc. per applicable guidelines

-Analyze collateral value/ vesting via appraisal, inspection, mortgage, title, and public records analysis

-Analyze earned, passive, and self-employment income via paystub, W-2, VOE, award letter, bank

statements, personal/ business tax returns – 1040 and schedules, K1, 1120, 1065, etc.

-Analyze debt liabilities via credit report, tax return, divorce decree, paystub, LOE, etc.

Servicing Underwriter:

06/2010-07/2010 - Chase - Contract - Manual and Automated

04/2010-05/2010 - Stewart Lender Services - Contract - Automated

01/2009-03/2010 - MATS - Contract - Manual

-Assess client financial hardships for loan work-out options per applicable loss mitigation solutions

-Analyze paystubs, tax returns, etc. for qualifying income, Review servicing history, Calculate ratios

-Review credit reports, bankruptcy/ divorce decrees, child support orders, etc. for monthly debt liability

-Contact internal and external customers regarding file status, alternative solutions, and fraudulent trends

Quality Control Underwriter:

08/2006-09/2007 - Washington Mutual - Contract - Manual and Automated

05/2005-09/2005 - Washington Mutual - Contract - Team Lead

01/2004-05/2004 - MATS - Permanent - Supervisor

-Manage budget, schedule, and workload of assigned team, Generate various reports, Train new staff

-Perform quality control audits on completed and live files, Provide performance improvement feedback

-Conduct operational audits to test procedural efficiency from origination to secondary marketing

-Develop, update, and implement policies, procedures, training, and internal control systems

Due Diligence Underwriter:

10/2005-08/2006 - Watterson Prime - Contract - Manual and Automated

10/2005-12/2005 - American Mortgage Consultants (AMC) - Contract - Manual and Automated

09/2005-10/2005 - Clayton - Contract - Manual and Automated

06/2004-04/2005 - AIIZ Compliance - Contract - Manual

-Perform credit, collateral, and compliance analysis on closed loan portfolios for secondary marketing

-Examine files for data integrity, document completion, consistency to guidelines, and fraudulent trends

-Review disclosures and perform state/ federal regulatory compliance testing, Generate formal reports

-Perform appraisal reviews for valuation, Verify licensing and “arms length” of transactional parties

-Identify and track loans with early payment default risk, Implement fraud detection techniques

References Available Upon Request

Contact this candidate