*** ******** ****** **, **** Bay, FL ***** 321-***-**** email:acqgpi@r.postjobfree.com

Dawn Bittar

SKILLS

Analysis of all necessary financial information (1040, 1120, 1120s, 1065, Year to Date Profit &

Loss and Balance Sheets), bank statements and credit data (Personal and Business Credit Reports)

to assess risk, make credit decisions, determine income qualifications and to insure fraud

prevention.

Update information on processing and underwriting systems to verify, add, delete or waive

conditions.

Determination of and monitoring title insurance requirements, title search procedures & real

estate closing practices

Experienced in underwriting URAR FHLMC form70 and FNMA forms 1073, 1007, 216 &1025

Manage mortgage processing functions for assigned loans from registration through closing

(FHA, VA, USDA, Bond, Construction loans, HARP, Second Mortgages, HELOCs, Subprime

and Private Loans).

Utilizing all systems in place, including AUS, LOS and MI systems to underwrite files in a timely

manner and to meet company goals.

Managed current investor and lien holder guidelines for determination of underwriting decisions

and compliance

Experienced in using a paperless loan system to telecommute and work remotely.

Affordable Housing, Down Payment Assistance Programs and LIHTC transactions

Commercial & Multi Family Properties - NOI, Cap Rates, Debt Service Coverage, etc.

Licensed Florida Real Estate Broker

Current with the requirements of the Dodd Frank Wall Street Reform & Consumer Protection Act

Proficiency with Microsoft Office applications (Word, Excel, Outlook, etc.)

EXPERIENCE

Loss Mitigation Underwriter – Wingspan 06/14 – Present

Melbourne, FL

Top Producer in September and November 2014

Rank 7th out of 100 underwriters

Zero errors for March, April, May and June 2015

Closing an Average of 20 to 30 files per month – managing a pipeline of 50 to 60 files

10/13 – 05/14

Senior Loan Processor - ISGN Palm Bay, FL

Closed monthly the required company loan goals.

08/12 – 10/13

Senior Loan Processor - Shelter Mortgage Melbourne, FL

Managed a pipeline of 35 to 60 loans and closed 13 to 16 loans per month.

02/12 – 08/12

Account Manager/Associate - Omni Financial Vero Beach, FL

Negotiated with the Internal Revenue Service as well as the State tax offices on behalf of individuals and business

owners. Compiled financial information and submitted the required documentation to establish a positive resolution.

Sales management for a nationwide clientele. Started as a Paralegal and was promoted within 30 days to Account

Manager-Associate position.

05/08 – 12/11

Operations & Sales Manager /Co-Owner - 321 Plumbing, Inc. Palm Bay, FL

In 2009, our first full year of business we closed nearly $500,000.00 in business. Received small business of the year

awards from the Cocoa Beach and Palm Bay Chambers of Commerce.

Underwriter /Managing Director /Owner - Premier Lending Group Melbourne, FL 08/03 – 04/08

Managed all aspects of the branch operations. Direct underwriter for all AU S findings for FNMA and FHLMC.

Sold closed mortgage lo ans to servicing mortgage banks. Closed 35 million in mortgage loans and 4 million in real

estate transactions in 2005.

01/02 – 01/12

Licensed Real Estate Broker Associate - ERA Showcase Palm Bay, FL

02/02 – 07/03

Field Underwriter/Account Executive - NovaStar Mortgage Cleveland, OH

10/98 – 02/02

Licensed Mortgage Broker - Sovereign Mortgage Investment Corp. Orlando, Florida

10/96 – 10/98

Field Underwriter/Account Executive - Equivantage Houston, TX

08/95 – 10/96

Field Underwriter/Account Executive - Ford Consumer Finance Dallas, TX

08/93 – 10/95

Underwriter/V.P. Correspondent Lending - Alternative Mortgage Corp. Altamonte Springs, FL

02/91 – 08/93

V.P. Correspondent Lending/Underwriting Manager - United Financial Funding Danbury, CT

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