Bonnie Chambers

Cell: 754-***-****

Email: aceowy@r.postjobfree.com

Via Websites

Date: June 23, 2014

Re: Employment Position

Human Resources Representative:

I learned about your position from your company website. I am very interested in the position with your

company and believe that my education and employment background are appropriate for the position.

I work well with senior staff, managers, and administrative personnel. My previous work experiences and

skills have allowed me to work effectively to develop new procedures, succeed deadlines, train support staff,

and stay within the budget.

My employment experiences maybe summarized as follows:

Thirteen Years – Auditor, Mortgage Underwriter & Compliance, Loan Specialist, Quality Control

Eleven Years – Sales, Independent Contractor, Team Leader

Eight Years - Analyst, Loss Mitigation Specialist

Six Years – Paralegal

Computer Software Skills - Microsoft Office & Professional, Excel, Word, Access, Outlook, PowerPoint, Desktop Originator

Desktop Underwriter, Loan Processor, Share Point, Home Base, Home Saver, LAMP, LMA/LMP/LMT, Citrix. Opus

I Portal, Stewart, Urban, FHA Connector, AS400, IDesk, CASH, Data Track, Calyx Track, and Fannie

Desktop Underwriter, SAP, NX Client, Encompass and Quadravison.

.

Enclosed is a copy of my resume, which more fully details my qualifications for the position.

I look forward to talking with you regarding position with your company. Please contact me at

754-***-**** or email me to confirm that you received this email. Thank you for your consideration.

Sincerely,

Bonnie Chambers

BONNIE S. CHAMBERS

754-***-****

aceowy@r.postjobfree.com

OBJECTIVE: A full-time position with a solid well-established company within an environment conducive to personal and

professional growth.

EXPERIENCE:

1/10 – 04/2014

Contractor Assignments

Auditor/Business Control Specialist /Remote Underwriter/Mortgage Compliance

Front Line Underwriter, Forensic and Due Diligence, Quality Control, Post Close

Audit and Peer Review Negotiator & Underwriter’s files for Loss Mitigation Approval/Declines

Manual Underwrite more than 35 loans per week; Audit Review for FHA, HAMP, Jumbo loans, Securities

Knowledge of Freddie Mac and Fannie Mae guidelines, Securitizations, and Anti-Money Laundering

Equibank Lending 1/07-1/10

Loan Specialist/Underwriter

Underwrite Residential, Commercial loans, Conforming and Non -Conforming Loans

HUD, TIL, Investor Guidelines, Underwrite A,ATL A and Subprime Loans

Calculate Income, Tax Returns, Financial Statements, Contracts, Appraisals, Title

Detect misrepresentation and fraud and knowledge of compliance law regulations, AML

Verify income and employment, review credit history, calculate borrowers assets

Underwrite more than 25 loans per week, obtain FHA case file ID numbers

Authorize Signature on $1.5 million dollars in loan amount for loan approvals

9/00 – 1/07

Various Assignments

Loan Underwriter

Manual Underwriting, Forensic and Due Diligence, Quality Control, Post Close, Life

Delivered and Sold Conventional "A" paper product, Reviewed Closed Loans

Signing Authority =$500k, Record data and review conclusions in QAS

Risk Analysis & made decision about deficiencies identified during the review process

FNMA, FHLMC, GNMA (HUD/VA),PMI companies

9/98 – 9/00

Chase Manhattan Mortgage

Loss Mitigation Analyst

Managed Pre-Foreclosure Sales, Deed-In-Lieu, Payment Plans (50 States)

Requested Title and Liens Searches, High volume calls from call center

Trained Temps, Contractors, Attorneys on products, software and guidelines

Knowledge of FHA, FNMA, FHLMC, VA, and Compliance Law Regulations

Remax, GA & FL 12/99-9/10

Realtor & Team Leader (Independent Contractor)

Prepare Seminars to expand Sales and Introduce new Products & Properties

Prepare Real Estate and Lease Contracts for Residential and Commercial Properties

Verify Zoning Regulations, Work Leads, Prepare Advertisements & Disbursements

Million Dollar Producer in sales, Train buyer agents, temps and other employees

1/92 –9/98

American International Group

Legal Analyst / Paralegal

Prepared Monthly Reports for penalties and fines – 50 state filings

Researched and reviewed corporate documents and objectio n letters, Knowledge of P&C Insurance

EDUCATION:

Virginia Union University 1988

Finance

Fordham University 1992

Paralegal

Gold Coast Professional School

Real Estate Salesperson 1999

Mortgage Broker 2002

State Certified Appraiser 2002

COMPUTER SKILLS:

Microsoft Office & Professional, Excel, Word, Access, Outlook, PowerPoint, Desktop Originator

Desktop Underwriter, Loan Processor, Share Point, Home Base, Home Saver, LAMP, LMA/LMP/LMT,

I Portal, Stewart, Urban, FHA Connector, AS400, IDesk, CASH, Data Track, Calyx Track, and Fannie

Desktop Underwriter, NX Client, Encompass, Citrix, Opus and Quadravison.

Contact this candidate