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LINDA BENJAMIN

SUMMARY

A professional with significant experience in Mortgage Lending – origination to post-closing –

with seven plus years in underwriting and working with major financial banks in retail and

wholesale environments. Strong communication skills both verbally and written with keen

analytical skills, and attention to detail; highly organized with excellent time management

skills to effectively prioritize multiple objectives and achieve volume goals.

SKILLS

Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk

Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government

Mortgages Audit & Compliance- Frank-Dodd Loan Closing, Funding Documentation

Conforming & Non-Conforming Account Service Excellence DU & LP

Wells Fargo Bank - Walnut Creek, CA

Consumer Loan Underwriter – 01/2013 – 10/2013

• Analyze and decision loan files for Capacity, Capital, Credit, Cash, and Character, and complied with

Wells Fargo and agency (Fannie Mae/Freddie Mac) guidelines.

• Obtained higher signing authority within minimal time-frame.

• Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of

borrowers to determine risk and repayment capacity.

• Demonstrate excellent follow-through with borrowers, loan processors, loan originators and management

throughout all phases of the underwriting process.

• Solid understanding of regulations and disclosures pertaining to mortgage lending implemented via Frank-

Dodd.

Jonas & Associates, Inc- San Francisco, CA

Project Accountant – 2007 - 2012

• Managed daily financial transactions (A/R, A/P), payroll and create budget forecast. Monthly bank

reconciliation and reconcile account receivable with clients.

• Coordinated and prepare financial statements / reports for the Chief Executive Officer.

• Coordinated and manage project setup in the database and procure all documents necessary for project

setup.

• Assisted project managers in project management – provide project/performance analysis and

customized profit performance reports.

• Created individual cash flow projection per each project. Maintain and update project schedules to ensure

projects are on target.

• Reviewed monthly billing from draft to final stage. Prepare billing coversheet for each project that

summarizes contract amount, billed-to-date and fee balance. Review and approve billing schedules from

contractors.

• Coordinated audits with the external auditors; conduct audit procedures: AR, AP, payroll, and year-end

• Implemented accounting process improvement: converted timekeeping and expense module from Deltek

to American Contractor

• Processed payroll- prevailing wages, and certified payroll

• Solid understanding of US GAAP, SOX, internal controls, and accounting procedures

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LINDA BENJAMIN

Washington Mutual- Dublin, CA

Mortgage Underwriter - 2003 – 2006

• Analyzed, reviewed, and decision difficult, complex individual consumer requests and products within

company and industry guidelines. Responsible for meeting and maintaining portfolio lending quality

standards.

• Analyzed all areas of the mortgage loan application: Credit, Income, Appraisal, and Title; to ensure

accuracy, completeness and in compliance with investor and regulatory guidelines and secondary market.

• Extensive experience in income analysis which includes reviewing Personal, Self employment, Corporate, and

Partnerships tax returns.

• Advanced asset/cash flow analysis and experience, and extensive experience with layering risk and credit evaluation.

• Thorough understanding of exception/discretion authority, second level reviews, government / conventional

exceptions.

• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.

Maintained compliance with lending, underwriting requirements

• Thorough understanding of regulatory disclosures: GFE, HUD-1,TIL (Regulation Z), ECOA (Regulation B),

HMDA.

• Provided work direction, feedback and training to underwriting staff including coaching lower level

underwriters on underwriting decisions, department procedures and policies.

• Handled confidential material in a professional, highly ethical manner in dealing with customer’s private information.

JPMorgan Chase- San Ramon, CA

JR Underwriter- 2002 – 2003

• Performed AUS - DU (Desktop Underwriter), and LP (Loan Prospector).

• Reviewed income documentation, Credit, Title, Appraisal reports; identified red flags and acquired all

necessary documentation for Senior Underwriter initial review and sign-off.

Wausau Mortgage Pleasanton, CA

Mortgage Underwriter- 2001 - 2002

• Underwrote loans to investor/agency guidelines; provided efficient, timely, consistent, and accurate quality

loan decisions on daily basis.

• Extensive knowledge of underwriting guidelines; thorough understanding of loan products and documents.

• Worked closely with FHA underwriters and gained extensive experience in underwriting FHA, and VA loans.

Hewlett-Packard Palo Alto, CA

Functional/Technical Analyst/Project Coordinator - 1995 - 2002

• Responsible for ensuring the integrity of all financial reporting systems functional and technical activity,

through the support of global reporting processes and solutions.

• Analyzed and documented data requirements – from business needs perspective requirements and

translated them into functional requirements.

• Participated in all phases of the systems development lifecycle – requirements definition to issues

resolution, testing and implementation.

• Wrote and edited system and process procedures.

• Provided technical/functional support and trained internal users – North America, Europe, and Asia.

• Coordinated and facilitated the Service Notes program.

• Published and edited technical notes for service representatives.

• Worked closely with management and technical team and provided input to convert to a web-based

platform and improve content; developed new procedures and wrote documentation for new processes.

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LINDA BENJAMIN

• Provided input to avoid mundane processes and streamline process, which improved efficiency and made

Service Notes more easily available for service technicians.

Medallion Mortgage San Jose, CA

Loan Processor- 1993 – 1995

• Processed Conventional, FHA, and VA loans; managed a pipeline of fifty active files per month.

• Reviewed residential loan application file and verified data is complete and meets establishment standards,

including type and amount of mortgage, borrower’s assets, liabilities, and length of employment.

• Ordered Title, Credit, Appraisal Reports, Opened Escrow- resolved title issues including: vesting issues, child

support liens, judgment liens, mechanic liens and undisclosed liens, processed subordination.

• Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies

to ensure smooth closings.

• Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed

applicants and borrowers with problematic credit histories).

EDUCATION

Northeastern Illinois University

Bachelor of Science in Information Science

Minor in Business Administration – emphasis in Accounting

California Real Estate License

TECHNICAL SKILLS

Microsoft Office Suite, LIS, CalyxPoint, DataTrac, Fitech, DU, LP, NexisLexis, Deltek Advantage, Amercian

Contractor, QuickBooks, Essbase, Access Database, SQL .

Contact this candidate