DE CERTIFIED GOVERNMENT UNDERWRITER

Tonzetta Marie Hannah CHUMS ID# BX48

**** ****** ***** * ************, FL 32277

acdt77@r.postjobfree.com /904-***-****

Mortgage Softwares used; Calyx, Empower, ACER, Citrix, LIS, LPS, CORE, LP, DU, FHA Connections

Proficient written and verbal communication/presentation skills. Highly skilled in MS Word and

MS Excel, or comparable software packages Working knowledge of various third party vendor applications.

Current Underwriter experience:

17 years? experience combined Frontline, Correspondent, and Due Diligence manual and automated underwriting of FHA Manual and Automated, Conventional, and Harp Loans.

Quality specialist review analysis of self-employed income documents i.e. corporate, s-corp, partnerships, trust, estate, capital gains, advanced asset analysis, asset dissipation, Sch A mortgage taxes and or 2106 expenses income documents [t/r]. Credit auditor reviews validating and/or updating mitigating factors and/or curing layered credit risked at final analysis, evaluation, and write ups.

Current with all conforming and non-conforming underwriting policies and procedures, HUD mortgagee letter i.e. guidelines, HUD/VA guidelines, and the companies overlays when and where applicable. Handling all confidential material per banking confidentiality procedures. Excellent verbal and written communication skills and possess a high degree of attention to detail.

Extensive Collateral, Appraisal, and Title review knowledge and long term hands on experience. Identified transaction components that indicated a potential for fraud and/or perform sufficient due diligence. Excellent time management and organization skills to effectively prioritize multiple tasks and achieve volume goals. FHA Mentor-complete reviews of the FHA test cases internally and offer assistance when review of findings to assist candidates in receiving their FHA Lending Authority/CHUMS ID.

Able to work in any/all production/flexible environment complete audits, deliver findings and/or coaching, complete lending authority reviews, increased authority reviews, and monthly random reviews. Work with the underwriting managers and underwriters discussing moderate and material quality risks findings. Building strong relations within the Underwriting Departments and the QC Audit Review Department. Daily review of all resources, all guidelines, all policies, and procedures. Participated in QC calibration call analysis and management of the underwriting percentile of validated material/moderate citing?s and creation of actions plans when required.

Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers.

Current on VA guidelines, at Chase within the Correspondent Division full file reviews and signing authority (not SAR/LAPP certified).

Round Point Mortgage Senior DE Underwriter July 2013-March 2014

FHA Underwriting Manual, Automated, and Conventional Underwriting

Coaching and Mentoring Self Employed Tax Returns

Senior BWG Exception Desk Underwriter, JP Morgan Chase Sept 2011-May 2013

Complex self-employed income underwriter and FHA manual underwrites

Correspondent loans audit reviews and a FHA Mentor

QC Audit Credit Risk Management Level III, PHH Group, Jun 2010 ? August 2011

Manually underwriting the Merrill Lynch Portfolio and completed 2nd level reviews for underwriters lending authority

Forensic Contract Underwriter, Aerotek - FNMA-Loan Processing Svcs, Mar 2010 ? Jun 2010 Contract Assignment

QC Audit reviews credit, income, assets, and collateral assessing risks and compliance audits identifying deficiencies to complete Repurchase Agreements when applicable to validated layered risks assessments

documented in completed final review.

Level 4 Contract Underwriter, Wells Fargo Home Mortgage, Jan 2009 ? Apr 2009 Contract Assignment

Frontline FHA Manual, Automated and Conventional Automated Underwriting

Mentoring JR Underwriters and Sr Loan Processors

Training Sr Loan Processors in credit approval, giving lending authority based on completion of hands on training to credit approve per WF had in place Level IV Underwriters

to assist Sr Processors to receive sign off authority to Jr Underwriters

Post-Closing QC Auditor, President Capital Funding, Dec 2007 ? Jan 2009

Post-close QC auditor reviews, compliance documentation, product/program, credit, income, assets, collateral analysis assessed final signing approval for third party investor loans closed/funded.

Due Diligence Contract Underwriter, Clayton Group, Nov 2003 ? Dec 2007 Contract Assignments

Senior Due Diligence QC Auditor Underwriting Income, Assets, credit, Collateral, Compliance documentation, and layered risks assessments write ups.

Level 4 Contract Underwriter, Wells Fargo Home Mortgage, Jun 2003 ? Oct 2003 Contract Assignment

FHA and conventional underwriter

Contract Underwriter, Clayton Group, Mar 2003 ? Jun 2003 Contract Assignments

QC Audits and Due Diligence Underwriting

Unemployed Dec 2002 ? March 2003

Contract Underwriter, Ameriquest Mortgage, Jun 2002 ? Dec 2002 Contract Assignment

Sub-prime Manual Underwriting

Senior Underwriting Manager/Processor, Modern Capital Corp, Nov 1996 ? May 2002

Sub-prime and Automated Underwriting

Trained all Staff Personnel and ran the entire company managed the company revenue and implemented

marketing resources to increase sales, hired and trained Sales Representatives, Telemarketers, and scheduled and closed mortgage leads w/collecting application fees/upfront closing fees/commitment fees

Company closed as the owners retired.

Professional References:

Lakasia Brown Chase Capital Markets Risk Manager 904-***-****

Lucretia Mitchell Roundpoint Mortgage SR Government Underwriter 404-***-****

Lisa Savage Chase Correspondent Underwriter 904-***-****

Education:

GED High School Equivalent

Some College

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