TODD ELLER acrwvj@r.postjobfree.com 301-***-****

Accomplished professional with over eight years of experience in processing, auditing, underwriting and risk management of conventional residential mortgages in the retail, wholesale and correspondent divisions.

Possessing a sound knowledge of Fannie Mae/Freddie Mac Conforming, Non-Conforming, Alt-A, DU, LP guidelines, risk assessment tools used to decision mortgage loans and all regulations.

Proven ability to manually underwrite loans in a fast paced environment, meeting all goals and quotas while maintaining high quality decisions.

Talented risk analyzer and identifier of fraud and mortgage misrepresentation.

PROFESSIONAL EXPERIENCE

10/01/2007-Present Event Planner-Self Employed

Work as an Event Planner, managing staffing of 5-100, for a variety of Pharmaceutical Companies including: Biogen, Wyeth Ayerst, Pfizer, Merck & Co., Novartis, Sanofi-Aventis.

Provide on-site support to client project manager for all program deliverables.

Consolidat3 on-site billing on behalf of client, implemented cost savings on-site to ensure vendors fees were in line with meeting needs.

08/03-2009-07/20/2015 Underwriter, Lottery Division-Seneca One Finance

Reviewed petitions, court orders, UCC financing statements and other legal documents to determine eligibility of lottery winners.

Performed due diligence to identify and resolve encumbrances on purchased payment streams.

Evaluated pricing and investor guidelines, creating competitive deals for sales reps to offer.

Prepared closing binders for presentation to Seneca One's investors.

04/20/2009-07/17/2009 Level IV Underwriter-Wells Fargo, Wholesale Division Short-term Contract through Contemporary Services Incorporated

Manually underwrote complex transactions in the wholesale division.

Selected to underwrite Fannie Mae DU Refi Plus and Freddie Mac HARP loans.

Evaluated Pay Stubs, Corporate, S-Corp, Partnership, and Schedule C Tax Returns to determine qualifying income; evaluated Assets and Collateral to ensure eligibility.

Implemented fraud detection techniques and re-negotiation of loans based on guidelines.

Contacted brokers and partners to gather information to make appropriate decisions and explaining rationale behind decisions.

08/15/2005-09/28/2007 Sr. Underwriter- Aurora Loan Services

Manually underwrote complex wholesale conforming and non-conforming loans, including Texas Refinance loans, working closely with Brokers and Account Reps to ensure loans were closed in a timely manner.

Used LexisNexis, DISSCO and Auto Track software to assist in fraud prevention.

01/07/2004-08/11/2005 Quality Control Specialist - Wells Fargo Mortgage

Performed pre-funded audits of all loans in the conventional retail division.

Reviewed and identified data to ascertain loan viability and identified risk issues.

Presented monthly reports to underwriting managers and recommended course of action on sensitive underwriting issues.

Mentored the underwriting staff, educated staff of new procedures and policies.

Recommended and implemented standard operating procedures for the underwriting department.

04/14/2003-01/02/2004 Sr. Underwriter, Correspondent Underwriting Lending Contract through Mortgage Resource Network

Underwrote files using Fannie Mae Desktop Underwriter and Freddie Mac’s Loan Prospector decision engines.

Reviewed collateral, income and asset documentation to determine eligibility of loan.

Performed due diligence on closed loans for compliance with policy and procedures to determine salability of loans to Fannie Mae and Freddie Mac.

11/19/2001-02/11/2003 Mortgage Underwriter, Account Rep-Wells Fargo Mortgage

Underwrote conventional conforming and non-conforming loans in the retail division.

Analyzed applicants credit history, assets, income and collateral to determine eligibility.

Promoted to Account Representative to maintain relationships and monitor pipeline for assigned region.

Discussed and resolved issues with loan officers during process of loan application.

12/04/1999-11/09/2001 Event Planner-McGettigan Partners

Planned logistics of on-site management of conventions, conferences, meetings, incentives, sporting events, and educational/training programs.

Meeting planner/consultant for a variety of client companies.

Provided on-site support to project manager for all program deliverables.

Consolidated on-site billing.

Managed event staff, travel staff and volunteers

11/16/1997-11/23/1999 Mortgage Underwriter-Norwest Mortgage

Underwrote and processed conventional conforming and non-conforming loans in the retail division.

Maintained a pipeline in excess of one hundred loans.

Analyzed applicants credit history, assets, income, and collateral to determine eligibility.

EDUCATION

Bachelor of Arts in Political Science, University of Delaware

Defensive Captain for the University of Delaware Bluehen Football Team

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