PROFESSIONAL SUMMARY

As a forward thinking professional with more than 8 years of residential &

commercial underwriting, mortgage processing and as a real-estate community

analyst, I continue to study, research and master my craft as a complete

real-estate financial specialist. I have been a manager and an executive

in Operational Management for the Banking Industry, Mortgage Industry, and

the Secondary Money Markets while serving as a Mortgage Consultant for

Community Developers and Realtors.

MORTGAGE SKILLS AND KNOWLEDGDE

DE Certified FHA 203k Certified Mortgage Auditing &

Forensics

NMLS S.A.F.E. Master Mortgage Client File Management

Underwriter

Advanced DU/DO Credit Analysis/Credit Calyx Point & Encompass

HECM Certified Examiner Total Quality Management

Reverse Vision Software Advance Microsoft Office

Suite Pre & Post Mortgage

FNMA & FHLMC Strategist Auditing

PROFESSIONAL EXPERIENCE

AAG - American Advisors Group . Kennesaw, GA

2013 - Present

Production & Compliance FHA Underwriter:

As the FHA/DE and Conventional Underwriter my primary responsibility was

underwriting files in accordance with FHA and AAG Guidelines while

providing support in conjunction with Processing, Funding, QC and Post

Closing.

> Responsible for underwriting files and establishing conditions to meet

both FHA and AAG Guidelines.

> Ability to make timely, accurate decisions on all Mortgage Loan

Transactions.

> Evaluate risk and ensure quality of each loan.

> Communicate appropriate requirements and/or decisions on all loan

files.

> Responsible for reviewing all areas of the mortgage loan to ensure

accuracy, completeness and compliance with internal and regulatory

guidelines, including but not limited to Application, Title,

Appraisal, Assets, Credit, Condominium Information and Income.

> Adheres to service level agreements and prioritizes workflow in

accordance to clear to close files and new files.

> Maintain quality control standards while maintaining production

standards by company's definition.

Good Friend Mortgage . Alpharetta, GA

2013 - 2013

Mortgage Specialist & Consultant:

As a NMLS S.A.F.E. Compliant Mortgage Consultant and I work with more

than 29 lenders and completing post audit reviews of conventional and FHA

mortgage loan files using DU and performing manual underwriting analysis.

While acting in the capacity as a consultant I provide staff training

and assisted staff underwriters with questionable files that were DU

Refer with Caution and DU Approved Ineligible.

Serenity Mortgage Group & Investments . Coral Gables, FL

2006 - 2012

Senior Underwriter and General Manager:

As the Senior Underwriter and General Manager my primary responsibility

was providing leadership, support and guidance to the underwriting team

and support staff of 13 team members and interpreting and implementing

guidelines and overlays for the underwriting team. In addition I was

responsible for ensuring that the underwriting team complies with the

goals, objectives and standards of the organization in order to meet

customer satisfaction and deadlines.

> Managed the Day-to-Day operations and provided ongoing team training

on of 13 Staff personnel Fannie Mae, Freddie Mac, FHA and Non-

Conventional loan products.

> Completed daily and weekly quality control reviews of other

underwriters within the department.

> Evaluated the subject property's appraisal, financial strength and

credit-worthiness of W2 and 1099 borrowers.

> Developed strategies for improving loan production, hiring,

tenure, promotion, and evaluation of staff.

> Analyzed applicants' financial status, credit, and property

evaluations to determine feasibility and Integrity of granting and

approving loans, via 1003, Bank statements, Verifications, and Uniform

Credit Checks.

> Completed Desk Audits, Unofficial GAAP Audits, and Post Loan File

Audits using the final HUD.

> Completed underwriting review for Government and Non-Governmental

funding programs.

Empire Lending Group . Miami, FL

2002 - 2006

Real-Estate Analyst and Residential & Commercial Underwriter:

> Prepared commercial loan packages and submissions for presentations to

lenders.

> Prepared market analysis reports, including vacancy, absorption, and

companies rents and sales.

> Reviewed an Analyzed legal documents and third party reports as part

of the due diligence process.

> Prepared Financial Modeling of current financials and information for

the most complicated financial information and documents.

> Provided a summary of projected future performance of your Real-Estate

investment with conclusions and recommendations.

> Provided information regarding market data, occupancy data, expense

analysis, aerials, maps and rent/sales comparable.

> Created and provided due diligence checklist to be provide to include

weekly follow-ups with checklist status.

> Organized and packaged information from clients while verifying the

accuracy and completeness of the documentation received.

> Recognized and resolved issues and worked with clients to find

solutions to deal obstacles.

> Interacted effectively with the Investor, borrowers, attorneys and

other third parties as applicable.

Sunrise Community . Miami, FL

1999 -

2002

Leasing Consultant & Property Coordinator:

> Completed lease forms and or agreements and collected rental deposits.

> Maintained ongoing current knowledge of current market conditions,

rental rates, sizes, locations and all amenities of the properties.

> Maintained thorough knowledge of lease terms, specifications, and all

community policies.

> Conducted weekly outreach marketing and designed ongoing retention

programs for community residents.

> Efficiently completed the processing of all required administrative

forms, reports, any community property rental information.

EDUCATION & PROFESSIONAL DEVELOPMENT

Completed Executive-Level course work in:

Master Mortgage Underwriter Financial Auditing

Administrative Monitoring Federal and Non-Federal GAAP

Financials

FHA 203k Training Logistics and Procurement

Quantitative Strategic Planning Quality, Productive and Competitive

Positioning

Mortgage University . Laguna Hills, California

2012 - 2013

Certified Master Underwriter

Certified FHA Direct Endorsement Underwriter

Advance Conventional Underwriting

FHA Credit Examiner

FHA/VA Quality Control

Excelsior College . Albany, New York

2013 - Present

Global Business of Finance MBA Dual Degree

Completed Some College Course Work

PROFESSIONAL ASSOCIATIONS & COMMUNITY SERVICE

National Association of Mortgage Underwriters Brokers . National

Association of Mortgage Brokers . NMLS Registration

REFERENCES AVAILABE UPON REQUEST

O. Osiris Ballard, 4851 Peachtree Drive, Buford, GA 30518

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