Professional Summary

*+ years of Mortgage Industry experience including underwriting and processing experience with FHA, Reverse Mortgage and Conventional loans Responsible for reviewing, analyzing, approving and underwriting individual consumer requests and products within company and industry guidelines. Reviewed financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value) Review and analyze Conventional, FHA and Reverse Mortgage loans application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor, company, and FHA and Conventional Guidelines.

Professional Experience

Home Service Specialist II / Junior Underwriter

Bank of America- Charlotte, NC

May 4, 2015- December 2015

Processed loans approved by an Underwriter or an automated decisioning system pertaining to FHA and Conventional Loans.

Cleared conditions and issued changes to the terms on previously approved loans.

Verified conditions of approval, which included customer income/assets documentation, resolved routine title issue, child support liens, judgments liens, mechanic liens and undisclosed lien conveyances.

Resolved appraisal disputes with the Appraiser using tax transcripts.

Ordered Title Orders through the new TRID guidelines, Appraisal, Credit Reports, which may involve Credit Supplements, Flood Certification etc.

Reviewed the HUD-1 with the customers for accuracy pertaining to the cash to close and scheduled and maintained the closing date with the Closing Attorney.

Responsible for maintaining the focal point of communication with customer and sale force in the closing process. *NMLS Certified

CUSTOMER SERVICE MANAGER/ACCOUNT ANALYST

Allstate Insurance, Woodstock, GA

March 2014- May 2015

Established customer relationships and follow up with customers, as needed.

Provided prompt, accurate, and friendly customer service. Responding to inquiries regarding insurance availability, eligibility, coverage's, policy changes, transfers, claim submissions, and billing clarification.

Used a customer-focused, needs-based review process to educate customers about insurance options.

CONVENTIONAL UNDERWRITER

Sun Trust, Atlanta, GA Contract Position

March 2013 - June 2013

Responsible for reviewing, analyzing, approving and underwriting individual consumer requests and products within company and industry guidelines. Include reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value)

Implemented fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions. *Lending Authority $417000

UNDERWRITER I

Robert Half- Promontory (Wells Fargo)

Due Diligence/ Underwriter, Atlanta, GA - Contract Position

February 2012- January 2013

Disseminated and explained changing guidelines and evolving rules from the Office of the Comptroller.

Reviewed underwriting decisions for accuracy and completeness. Validate computations of borrower's income, additional compensation, indebtedness, financial condition and proposed refunds/remediation.

Evaluated files that had gone through the process of bankruptcy and foreclosure to ensure federal compliance guidelines were met in regards to HAMP and other loss mitigation programs.

Entered data in proprietary case management system/underwriting system.

Analyzed loan data, applied sets of underwriting guidelines using FRDDS and LPS Web Direct.

Calculated and identified inputs for NPV in cases where NPV needs to be re-evaluated.

Comprehensive and thorough review of file from loan origination to loan resolution, such as short sale, deed in lieu, HAFA, loan modification, and foreclosure.

UNDERWRITER I

SVS (CHASE)

Due Diligence/ Underwriter, Dallas, TX - Contract Position

June 2011 -September 2011

Reviewed and analyzed borrower documentation to determine income and repayment ability, asseed borrower hardship, analyze housing expenses, and determine proper loan resolution.

Reviewed the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines were followed.

Analyzed delinquency, performed escrow analysis, analyzed modification scenarios and proposals and recommended appropriate loan workout.

SENIOR MORTGAGE UNDERWRITER II

Financial Freedom, Norcross, GA

May 2003- July 2010

Reviewed and analyzed Reverse Mortgage and Conventional Loans applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.

Reviewed all required loan data, reports, and inspections to insure the collateral is acceptable to investor, company, and FHA guidelines

Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.

Provided final approval underwriting of FHA HECM mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.

Effectively communicated underwriting decisions with processors and advisors. *DE Direct Underwriter

EDUCATION

TUSKEGEE UNIVERSITY, ALABAMA- GENERAL EDUCATION (completed three years)

CAPSTONE MORTGAGE INSTITUTE, MARIETTA, GA- CERTIFICATION TRAINING COURSES

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