Junior Metcalf

832-***-****

acgiib@r.postjobfree.com

NMLS,ID-1236117

SUMMARY OF QUALIFICATIONS

• Experienced professional Senior Mortgage Underwriter, with a complete understanding

of how to implement and execute The Federal Home Loan Mortgage Corporation,

(Freddie Mac), The Federal National Mortgage Association, (Fannie Mae), and Making

Homes Affordable Guidelines to organize any company’s underwriting procedures;

• Extensive mortgage lending experience in the development and management of a wide

variety of mortgage products, services, and programs such as Master Commitments, Master

Agreements, Quality Control, Repurchase, Appeal Rebuttals, Audit Underwriting, Non-

Performing Loans, (NPL), Perform Loans, (PL), AUS, DU, DO, LP, with extensive manual and

automated underwriting experience, Streamline, HARP, HAMP loan programs with Auditing and

Compliance knowledge;

• Comprehension of assessing collateral, credit, title, escrow, funding,( wholesale and

retail), with a fundamental concept of purchasing and selling mortgage backed securities;

• Demonstrated abilities to identify the mechanisms, by which the purchase and sale of

mortgage backed securities in secondary market with prevention strategies to ensure a

highly desirable loan products;

PROFESSIONAL EXPERIENCE

E-TRADE

Loss Mitigation-Compliance Underwriter February 2014 -

Current

Arlington Virginia

• Single Family Portfolio Division, Affordable Modification Program (HAMP), The

default asset management division is responsible for approving & analyzing the Loan

Modifications, Short Sales and Third-Party liquidations. Ensuring all files are with-

in Compliance of the United States Treasury Department time-frame guidelines;

• Verify the accuracy and completeness of Request for Loan Modifications

applications; Verify current market value of subject properties;

• Review and settle third party Foreclosure Sales, Short Sales, Modifications, Deed In-

Lieu and Charge Offs;

• Frontline Underwriting; Conventional, FHA, VA, & Jumbo Purchase/Refinance 4

Loans per day;

Freddie Mac May 2012 – February 2014

Project Manager- Q.C. Underwriter

Mclean Virginia

• Quality Control review of NPL and PL products to ensure subject loans were

underwritten as delivered per the Master Agreements, Master Commitments, Contracts,

Long term stand-by agreements, and/or Indemnifications;

• Review audit from vendors, to ensure subject loan files were originally approved, and

underwritten as delivered per Master Agreement. Audit vendor findings, of cited

deficiencies, and research verification to substantiate evidence supporting cited

deficiencies;

• Repurchase letters to lenders whom delivered loan files that were not in compliance of

their Master Agreements, or with the correct Special Characteristic Codes delivered to

Freddie Mac;

Wells Fargo Bank June 2008- May 2012

Senior Q.C.-Underwriter

Washington D.C.

• Frontline Underwriting,( retail and wholesale), Conventional, HARP, HAMP, AUS and

The Affordable Housing Loan Programs;

• Quality Control Review of post funded loans to ensure program accuracy and guidelines

adhered to Master Agreements of Freddie Mac & Fannie Mae;

• Collateral review, (via AVM, BPO’s, BBO’s, Desktop,), Appraisal reviews;

Secondary Marketing Underwriter July 2003- June 2008

Underwriter Manager

WAMU

Colombia, Maryland

• Provided support and direction for the marketing and selling of mortgage backed

securities. This included program qualification criteria, for wholesale and retail pricing,

the direct supervision of 25 Underwriters, while coordinating with Senior Operations

manager generating 1 billion in monthly mortgage revenue;

• Support included development and training of the Underwriting and Sales departments

for strategic planning, and program qualifications to ensure marketable assets;

SKILLS

Fluency in English;

Quantum, Blitz Doc, Lotus Notes, Clues, Clout, ASU, LP, DU, DO, AVM, BPOs, PPOs; and

Competent in the use of Microsoft Office - Word, Excel, PowerPoint, Outlook and Access, SAS,

SPSS, Internet, E-mail, and Lexus- Nexus.

Contact this candidate