**** ***** ** #****

Kennesaw, GA. ***** 404-***-****

S. Richard Daniels Email: abn8wi@r.postjobfree.com

Objective To obtain a position in the Mortgage Industry as an Underwriter or

Mortgage Consultant with a leading mortgage lender.

Experience

Feb '12 - Present Mergis/Wells Fargo

Atlanta, Ga.

Mortgage Business Analysis 3/QC Auditor

Responsible for reviewing loan applications and all bank documents

in compliance with bank policies, meeting investor guidelines and

demonstrating lending strategies.

Verify documents and ensure the completion of applications

Fraud Review, develop, understand, and process, time sensitive bank

systems of record for senior level management

Reviewing bank documentation throughout the life of the loan; system

areas in; Foreclosure, Pre Foreclosure, Bankruptcy, Total Debt,

Remediation, Loan Modifications, Loss Mitigation, & Corporate

Advance

responsible for monitoring business loan processes, reviewing

reports, assisting and complying with state and federal regulations

Analyze income, financial assets, loan application, debt ratios,

credit reports, employment, paystubs, and reserves, per investor

guidelines. Monitor the status of delinquent loans ensuring the

timely initiation of foreclosure and completion processes

Analyze and do an appraisal and collateral review.

Analyze and review financial information including operating

statements and net worth statements to determine appropriate loan

size, terms, and pricing. Review various reports including

appraisals, environmental documentation, and engineering reports to

determine compliance with investor requirements

Jan '11 - Feb '12 ADT Security

Atlanta, Ga.

Builder Technology Manager/Security Consultant

Meeting with Builders and developing security plans for pre

construction homes

Troubleshooting possible problems in design and correcting, prior to

construction being completed

Ordering material for design to specifications needed to complete

the job

Maintaining strong business relationships with construction and

business owners and sales agents

Selling security products to residential and commercial clients

Assisting current and new customers through leads and cold calling

when necessary

Maintaining a sales quota of 30-40 closings per month

Present sales presentations of product features to potential

customers

Give proposal and do necessary paperwork to close the deal

Extend follow calls for customer satisfaction and retention

Process paperwork in accordance to company standards

Travel extensively throughout given territory

Sept '08-Jan '11 Mid-Atlantic Financial/Accent Bank

Atlanta, Ga.

Mortgage Underwriter/Consultant

Conventional, VA, HUD,FNMA/FMLMC & FHA mortgage loans,& some loan

modifications

Issue clear and concise stips adding when needed

Reviewing within 24-48 hours upon receipt

Identifying and keeping up with market changes and implementing

change when necessary

Note status of file and communicate decision to loan officer via

phone, e-mail and Note Pad.

Follow up with a high degree of urgency

Maintaining good communication skills with staff to maintain a

smooth transition and file movement respectfully

Review appraisal and call appraiser for additional information when

needed

Train processors when necessary

Investigate fraud when necessary

Manual and DU / LP Underwriting

Maintain a sound knowledge of Fannie Mae and Freddie Mac guidelines,

and risk assessment tools used to decision mortgage loans as well as

to

maintain a sound knowledge of secondary market activity, practices,

and business/industry practices as they impact underwriting quality

and origination activity

Jul '05- Aug '08 Aegis Mortgage Funding,

Atlanta, Ga

Mortgage Underwriter/Consultant

Provide a first point of contact for internal and external

customers. Answers questions relating to the banks mortgage

operations and established policies and procedures.

Consults with members and Identifies customer needs and sales

opportunities working closely with management teams to identify

current and future needs

Developed and maintained strong relationships through research,

strategic planning, through person to person and business to

business interactions, product development

Managed 50 plus client accounts, maintaining relationships with

realtors, title agents, brokers and other lenders

Sold Millions of dollars of mortgage production on a monthly basis

Using existing contacts to counsel, develop business and build

volume

Closed and Underwrote mainly FHA, FNMA/FMLMC, HUD, Conforming,

Conventional, VA, Alt+A, Subprime, B/C Paper, and HELOC loans using

manual, DU/LP underwriting

Worked with the foreclosure, bankruptcy, and REO depts. to modify

loans

Assisting staff with files from start to finish

Review and communicate openly with appraisals

Issue clear and concise stips within 24-48 hours

Mar '00 - Aug '05 Saxon Mortgage/MorganStanley

Atlanta, Ga Account

Executive/Underwriter

Made sales calls and saw 8-10 clients on a daily basis

Training presentations in person to person and groups in business

etiquette, and banking processes

Sold millions of dollars of business on a monthly basis

Maintaining relationships with realtors, title agents, brokers and

other lenders closed mainly, Alt A, Conforming, VA, FHA and Fannie

Mae Loans

Participates in the formation, development, implementation, and

revision of contracting policies, procedures, and strategies for the

unit as appropriate.

Applies continuous improvement techniques and methods to internal

process and systems to increase customer service and teamwork with

colleagues.

Used existing contacts to counsel, develop business, and volume

Underwriting using both manual and desk top means

Closed and Underwrote mainly FHA, FNMA/FMLMC, HUD, Conforming,

Conventional, VA, Alt+A, Subprime, B/C Paper, and HELOC loans using

manual, DU & LP underwriting

experience required

Follow up with a high degree of urgency

Maintaining good communication skills with staff to maintain a

smooth transition and file movement respectfully

Review appraisal and call appraiser for additional information when

needed

Maintain a sound knowledge of Fannie Mae and Freddie Mac guidelines,

and risk assessment tools used to decision mortgage loans as well as

to

maintain a sound knowledge of secondary market activity, practices,

and business/industry practices as they impact underwriting quality

and origination activity

Education

1986-1990 University of Maryland at Catonsville

Catonsville, MD.

A..A., Degree in Psychology and Business Ethics

Graduated top 2 % percent of class

Continued numerous courses in sales and marketing through seminars

and workshops

Computer Proficient in the following software: MS Excel, Word, Office,

Skills Windows 2010/NT/2000/XP, DU, LP, Clout, Lenders Office, Calyx Point,

Linux, FreeBSD, OS/2, LOS Platform, Datatrac, Encompass, Core

Logic, Lead ROI, Point for Windows, MS Publisher, Data Bases and

spreadsheets, PowerPoint, Lotus, ACT-Contact Management Software,

Lombardi, LPS desktop, Venderscape, PACER, Teamwork's, SharePoint,

DTS, Exceptions Management, LPS, Web Direct, IQ Navigator, PTS,

Emanuel, BHam Share drive, LIV (Loan Image Viewer), MSP, CPI,

Netroline,

Excellent references provided upon request

Contact this candidate