Mark Villarroel

Huntington Beach, CA *****

951-***-****

acdnzy@r.postjobfree.com

OBJECTIVE

To obtain Loan Specialist position with an established company, with stability and

opportunity for career growth.

EXPERIENCE

Wells Fargo Home Mortgage

Retail Home Loan Underwriter, Level III (12/2012 – Present)

- Underwrites Conforming CONV, HARP, Jumbo, Cash Out, and Rate Term

Refinances, per FNMA and FHLMC guidelines.

- Analyzes Self Employed income, tax returns, rental properties, and financial docs.

- Senior Level Lending authority, with loan amounts up to $850K.

- Performs audit on loan files prior to closing to ensure accuracy and data integrity.

- Evaluates borrowers credit profiles for debt management and financial efficiency.

- Ensures each loan approval, posses a tangible benefit to the borrower.

- Reviews appraisal values and Title reports for judgments, liens and tax payments.

Carrington Mortgage

Mortgage Underwriter, Component Servicing (05/2012 – 12/2012)

- Underwrote residential loans ensuring compliance with secondary market and

investor guidelines.

- Knowledgeable in current Conventional, FHA HAMP and GSE and NON-GSE as

well as FNMA/FHLMC guidelines.

- Evaluates and approves mortgage loans to maximize organizational profit and

minimizing risk of default on loan modifications.

- Determined prior to doc conditions to be met in order to expedite loan closing.

- Analyzed credit, priced loans, calculated debt ratios, and benefit to the borrower.

- Closely examined appraisals and comparables for accuracy to support value.

REO World

Escrow Coordinator/Closer (03/2008- 05/2012)

- Coordinated the close of escrow for bank owned residential properties, by

negotiating with realtors and buyers through the close of escrow.

- Analyze property values through BPO’s, Appraisals, and inspection reports.

- Reviewed HUD-1 for accuracy and proper breakdown of funds for all parties.

- Resolved foreclosure deed issues, by resolving issues with title companies and

county recorders offices.

- Closely maintained reports to ensure all contracts were not expired and that monthly

closing goals were met and exceeded on a normal basis.

Expanded Mortgage Credit

Wholesale Underwriter (06/2003 - 08/2007) – company closure

- Knowledgeable in loan programs such as HELOC’S, ALT-A, FHA, VA, DU/LP,

and FNMA sponsored financing.

- Signing authority up to $500K in combined loan amounts.

- Advised sales staff on alternative solutions, when loans did not meet guidelines.

- Based loan decisions on credit worthiness by examining mortgage and credit habits.

- Assisted Jr. Underwriters on performing appraisal review checklist.

- Promoted from from Jr. Underwriter position.

QUALIFICATIONS

- Proficient in program such as Windows, Word, Excel, Outlook, Desktop U/W,

Qualifications Calyx Point, REO Trans, LIS, OPS

- Detail Oriented, organized and punctual. Analytical and

- Types 40-50 words per minute.

- Able to perform multiple tasks and duties.

EDUCATION

Bachelor’s Of Arts in Communications, with an emphasis on Journalism.

California State University of Fullerton (May 2003)

Contact this candidate