Dawn Alvarez

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

Helotes, TX ***23

210-***-****

acrmde@r.postjobfree.com

I would like to apply for a Human Resource Position. I have a history in sales, management and mortgage underwriting. I am looking for a change in careers that follow my degree with Human Resource Management. I believe I could make a valuable contribution to your company in this position.

Please let me know if you need any further information on my background and qualifications. You can contact me anytime via email or cell phone. I would look forward to speaking with you regarding this employment opportunity. Thank you for your time and consideration.

Yours Sincerely,

Dawn Alvarez

Dawn Alvarez

13051 Walking Horse

Helotes, TX 78023

(210) 995- 3145

acrmde@r.postjobfree.com

RevitaLending (Remote)

Account Executive

06/2014-Current

Strong communication skills for developing quality leads and establishing relationships with clients, plus good critical thinking and decision-making skills when analyzing financial histories and mortgage applications.

Handled all aspects of broker relationships.

Coordinated customer service between brokers and staff.

Complied with company guidelines regarding call reports, volume projections.

Enforced company policies with brokers.

Developed marketing plan for increase in volume of business.

Citibank

Corporate Relocation Underwriter (Remote)

01/2013-01/2014

Underwriting Authority $750,000

Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk for Corporate Relocation and Employee Benefit Department.

Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.

Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution

Responsible for reviewing, analyzing approving and underwriting per investor guidelines.

High attention to details

Accenture

Processing/UW GMAC Manager

03/2012-09/2012

Interface with senior management in multiple departments on a day to day basis.

Responsible for measuring and analyzing daily metrics for production deliverables, including but not limited to loan volume, quality control, load leveling, pipeline management and reporting.

Coach mentor and develop direct reports. Effective communicated objective to processors.

Managed team of up to 25, each processor was responsible for a pipeline of 55/80 loans.

Coaching and mentoring processor per guidelines along with running DU.

Quality control audit reviews to assess accuracy per clients needs.

Utilized Lexis Nexis, The Work Number, RF Connects, Mortgage Serve, Blitz Docs, Corona, Looking Glass DU, review of mortgages notes and HUD1 documents.

Wells Fargo

Senior FHA / HAMP/ SFTP1 Manual Underwriter

03/2010-10/2011

Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.

Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.

Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution

Evaluated and ensured over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations.

Maintaining pipeline while adhering to Fannie Mae and Freddie Mac Guidelines. Management support of reporting while maintaining leadership development.

Functions including: Assessing financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers; restructuring payments plans; may assist in handling workout and restructuring of problem loans. Experience with CPI, LIV, DAT and Wells Fargo policies and guidelines.

Quality control reviews to assure correct rate, term and loan amounts for closing

USAA Mortgage Services

VA Underwriter (Contract)

04/2009-10/2009

Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.

Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.

Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution

Responsible for reviewing, analyzing approving and underwriting per investor guidelines.

Evaluated and ensured over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations.

Utilized DU, Work Number, Portal, Cavairs.

Familiar with LOS and Desktop Underwriter system, Portal and USAA guidelines. Reviewing Flood certificates, Appraisals, Leave and earning statements and grossing up BAH, BAS as needed.

Updating and saving necessary information while keep contact with members within timelines. Maintained a pipeline of up to 60 loans.

Commercial Lending LLC / Revita Lending LLC

Commercial – Hard Money Manger (Remote)

01/2004-04/2009

Responsible for managing operations for Hard Money Commercial transactions up to $7,000,000 in Virginia, Washington D.C, Maryland, North and South Carolina.

Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.

Evaluated and ensured over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations.

Managed connections with various business partners to include, Investors, Inspectors, Contractors, Appraisers and Business Partners to maintain smooth closings.

Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution.

Directed and coordinated activities of businesses or departments concerned with the production, sales, or distribution of products.

Review financial statements, sales contracts and activity reports, and other performance data to measure productivity and goal achievement and to determine areas needing cost reduction and program improvement.

Keller Williams Real-Estate Agent

License # 494296

Buyer and Sellers Agent, Recipient of numerous Sales Awards

Familiar with HUD homes, FHA, VA, CONV, INVESTMENT, HUD1

Education and Training

Ashford UN Bachelors in Arts- Human Resource Management

SAFE ACT Compliant NMLS #: 970480

DE Underwriting Class completion certificate NAMU

FHA – VA Underwriting completion certificate NAMU

Desktop Underwriting

FHA, VA, HARD MONEY

State of Texas Real Estate License

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