Carola Aguilar

** ******** ******, ******, ** ***51

Home 781-***-**** ? Cell 617-***-****

aco7l1@r.postjobfree.com

Summary of Qualifications

Dependable, bilingual Mortgage Underwriter with 15+ years of experience.

Combines strong communication skills, computer skills, and attention to

detail to enhance performance and increase customer satisfaction.

Work Experience

2011- Present Boston Community Capital Boston,

MA

Mortgage Underwriter

. Responsible for residential mortgage underwriting for loan approval,

signing off on conditions as they are met: loan terms, appraisal

value, verifications of deposit and employments and credit reports.

. Work with loan processing and originating staff on discrepancies and

problems, ensuring that proper policies and procedures followed.

. Maintain working relationship appraisers and attorneys and resolving

problems as necessary.

. Assist in pipeline management, working closely with loan processing,

origination and closing staff to ensure that all conditions are met

prior to closing.

. Scheduled and rescheduled appointments and Spanish speaking customers.

2010-2011 Citizens Bank Norwood, MA

Mortgage Underwriter

. Responsible for residential and equity loan underwriting for loan

approval, answering questions, resolving problems, and ensuring that

proper policies and procedures are followed.

. Loan underwriter for all conventional FNMA, portfolio and second

mortgage loans, line of credit and consumer loans.

2008 -2010 East West Mortgage Marlboro, MA

Senior Loan Originator

. Responsible for answering incoming phone calls, conduct interviews

using a high degree of discretion and dependent action to place a

residential customer into the best product that meets their needs.

. Originate residential mortgage loans including pre-qualification of

applicants.

. Process refinance and purchase mortgage loan transactions with ability

to average 8 applications, 6 closed loans, and 8 pre-qualifications

per month over a three consecutive month period.

2004-2008 Countrywide Home Loans Peabody,MA

. Mortgage Loan Consultant

. Consulting potential borrowers regarding appropriate loan programs

and process.

. Creating and executing a Business Development Plan

. Accepting loan applications and entering into system, obtaining

credit documentation, disclosures and other forms in accordance with

regulatory and Countrywide guidelines.

. Setting up loan files.

. Forwarding loan files for further processing to underwriting

department.

. Initiating and maintaining contact with brokers, real estate,

professionals, Selling Agents, etc. within the locality to inform of

loan products and other services offer by Countrywide.

1996 - 2004 Washington Mutual Bank Quincy, MA

Senior Mortgage Underwriter

. Underwrite mortgage loan applications, making approval/denial

decisions.

. Review loan applications and disclosures in accordance with RESPA and

compliance procedures.

. Analyze all credit documents to ensure borrowers have the capacity to

repay and qualify for mortgage program according to program and investor

guidelines.

. Review collateral (appraisal) and make sure property meets all

investor and program requirements.

. Warrant Condos as needed, review condo docs, budget and leasehold if

necessary).

. Submit loan for automated underwriting after complete review of all

documents and issue preliminary conditions based on guidelines and

automated DU underwriting findings.

. Review file conditions and issue final decision.

Education

San Carlos University Guatemala City

Business Administration

1976 - 1979

Contact this candidate