Gabriel Ekwenugo

**** ********* *****

Rowlett TX 75088

Email: aco9ou@r.postjobfree.com Cell 469-***-****

EMPLOYMENT HISTORY

Chase Bank/Wingspan

Dallas, Texas

Mortgage Underwriter (Dec. 2012 to Present) –

• Underwriting, Origination Review of Credit file vie: Credit report, income, self-employed income

analysis, assets, title, and appraisal

• Reviewed and analyze borrower’s financial package for accuracy and completeness which includes loan

application, credit report, bank statements, tax return, paystubs, and appraisal to access the risk for the

borrower and the company

• Documented all results of the mitigation associate’s conversation and their analysis on the system of

record

• Analyzed the customer modification underwriting to make sure they qualified under FHA Policy and

Guideline.

• Completed short sales and Deed-in-lieu documentation as required by policy

• Ordered and review Broker Pricing Opinions(BPO), negotiate offers, submit to mortgage insurance (MI)

companies, investors and managers;

• Prepared approval and denial letters; forward files to fulfillment department

• Approved or obtained necessary approval for all decisions

• Reviewed modification documents thoroughly while understanding program guidelines

NOVA Bank

Dallas, Texas

Mortgage Underwriter (January2010 to Dec. 2012)-

• Calculated and verify source and receipt of income earner, self-employed, Social security income,

Supplementary Nutritional Assistance Program benefit (SNAP), unemployment, and rental income.

• Reviewed paystubs, bank statements, lease agreement and credit reports to ensure documents met FHA

investor guidelines.

• Addressed exceptions for back end ratios calculated in Agent Desktop that may produce a loan denial

• Verified credit reports against the Request for Mortgage Assistance (RMA) to determine credit payment

history, liabilities and public records.

• Reviewed FHA connection, Data verify, Kroll Factual Data to further the decision of loans

• Documented all results of the mitigation associates conversation and their analysis on the system of

record

• Reviewed and re-calculated Credit report to make sure the SUM of all the trade lines were included

SAXON MORTGAGE

Dallas, Texas

Short Sale Negotiator (Dec 2008 to January 2010) -

• Reviewed borrower’s credit package for resolution and completeness: loan application, credit report,

bank statements, tax return, paystubs, and appraisal to maximize the risk for borrower and the company

• Documented results of the mitigation associate’s conversation and their analysis on the system of record

• Processed short sale and deed-in-lieu files from start to finish

• Ordered and reviewed Broker Pricing Opinions(BPO), negotiate offers, submit to mortgage insurance

companies(MI), investors and managers,

• Prepared approval and denial letters, and forward files to fulfillment department

• Approved or obtained necessary approval for all decisions

• Provided analyst and administrative support within an internal control environment.

• Experienced risk Management, audit, compliance, quality control, and quality assurance.

• Conducted monthly/periodic testing of controls to ensure compliance with all Federal, State, and

investor guidelines

• Determined Creditworthiness and risks associated with borrower based on credit profile, loan-Value

ratio, FICO Score, Debt-to-Income ratio

COUNTRYWIDE/ BANK OF AMERICA HOME LOANS

Plano, Texas

Insurance Claims/ HMDA Compliant Analyst (January 2006 to December 2008) –

• Performed research and due diligence on locating missing documentation

• Compiled data for reporting in Excel

• Collected misapplied funds from mortgage insurance companies

• Reviewed invoicing for accuracy, compiling and follow-up

• Reviewed, researched, identified issues and processed lender losses on foreclosed properties

• Performed compliance reviews of short sales and real estate owned loans to ensure accuracy and

completeness of transaction

• Adhered to company policies and procedures in order to avoid potential risk exposure and to thwart

fraud

• Performed routine duties independently; discussed approval on material matters with management

• Maintained confidentiality of customer data, and company proprietary information

• Performed ongoing tracking and follow-up of assigned audit issues through final remediation.

FREMONT INVESTMENT AND LOAN

Irving, Texas

Mortgage Loan Processor (July 2005 to January 2006) –

• Review loan application package for completeness and accuracy.

• Responsible for gather credit and other documents from the customer and third party in support of the

loan approval decision.

• Verifies and validates supporting income, asset, and liability documentation to ensure validity. Reviews

and verifies credit reports (FICO, pay history, validate debts, other real estate owned).Input and update

data, prepares the transaction for closing by ordering payoffs as applicable and gathering 3rd party fees

from the closing agent.

• Manage a pipeline of approximately 50 loans at any given time.

• Collect and track all documentation and information needed to close loans in a timely fashion. Monitor

loans to ensure compliance with all State and Federal regulations.

• Ensure final terms of loan meet expectations of all parties while turning a profit for company. Interact on

a daily basis with Clients, Financial Ad-visors, Wealth Management Bankers and Mortgage Loan

Officers.

SUMMARY OF SKILLS AND QUALIFICATIONS

A financial professional with more than 9 years of experience of risk assessing, negotiating, income/credit

analysis, underwriting, documentation, and review of secured/ and unsecured loans.

Default Workflow AS400 Fidelity (MSP, LPS)

Loan Prospector (LP) Agent Desktop (AD) i Vault

LSAMS Pacer Fiserv/Mortgageserv Platform

Lender Live Calyx Point Desktop Underwriter (DU)

PROFESSIONAL TRAINING AND SEMINARS

2000 Expert Solutions Technical Training School

Certificate: Microsoft Networking Program

Dodd Frank S.A.F.E Act, Truth in Lending Act (Regulation Z)

Real Estate Settlement Procedures Act (RESPA)

Home Mortgage Disclosure Act (HMDA- Regulation C)

Equal Credit Opportunity Act (ECOA- Regulation B)

Fair Housing Act; Fair Credit Reporting Act

Fair Debt Collection Practices Act (FDCPA)

EDUCATION

Enugu State University of Science & Technology Nigeria

Bachelor of Science Psychology/Communication

Dallas County Community Colleges

Social and Behavioral Sciences

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