CHRISTINA KUPIS

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

Lakeside, CA 92040

619-***-**** cell phone

acu8bw@r.postjobfree.com

CAREER OBJECTIVE : To obtain a position where my experience is valued

SKILLS & LENDING SOFTWARE EXPERIENCE

- Goal Driven and detail oriented - DU (Desk Top Underwriter)

- Business Policies & Procedures -FNMA & FHLMC Investor Guidelines

- Extensive Customer Service Skills - Business Trainer, sales, and planning

EXPERIENCE & PROFESSIONAL PROGRESSION

Plaza Home Mortgage / FHA & VA LOAN DOCUMENT / 10/2014 - 07/2015

4335 EAST GATMALL, SAN DIEGO, CA 92131 858/346-1208

WELLS FARGO BANK /LOAN DOCUMENT SPECIALLIST / 10/2010 - 10/2013

16644 WEST BERNARDO BLVD, SAN DIEGO, CA 858/521-4050

* Review all up dated information for income asset, ltv forward the decision engine results *Review GFE refund, and forward copies to borrower for GFE increases outside guideline

* Verify that borrower qualify for Home Affordability Refi Program

* Verify subject property address via USPS, FNMA & FHLMC websites

* Determine property value with FNAM / FHLMC, Core logics websites

* Determine that subject meets guidelines for 105% - 125% LTV requirements with proper signatures

* Determine that file has proper documents to meet no income and no appraisal guidelines

*Review and complete all commitment letters completed by banker, processor, or underwriter

UNION BANK / QUALITY CONTROL AUDITOR / 09/2007 – 05/2010

8128 MERCURY COURT, SAN DIEGO, CA 92111 858/496-5407

*Performing audits for Residential, Consumer loans

*Assure and monitor compliance with bank guidelines

*Audit loans to evaluate, analyze, and assess risk

*Detect marketability issues that increase layered risk

*Review for fraud & violations of RLD Division policies

*Review of loan includes but not limited to compliance, Reg Z, income analysis

*Validate the underwriting decision is within guidelines & authority.

WORLD SAVING BANK / LOAN UNDERWRITER / 09/2003 – 11/2006

4245 WAPLES STREET, SAN DIEGO, CA 858/320-3861

*Awarded team player of the year 2005 in Division

*Award for turnaround time for 1st & 2nd quarter 2006

*Lending authority up to $750K with additional signer, and $500K with my own lending authority

* 84 Loans reviewed & issued conditional loan approval within 1 month

* Credit decision completed within 24 hours on submission of loan application 95% - 100%

* Cultivate new business with on spot underwriting at new broker offices

DOWNEY SAVING BANK / REAL ESTATE PROCESSOR / 02/2003 – 07/2003

9620 CHESAPEAKE DR. SAN DIEGO, CA 858/874-3200

* Order title reports, escrow instruction, loan docs

*Analyze conditions to meet underwriter expectations

* Advise & discuss with broker terms, fees, costs, estimated COE

* Managed pipeline of 80 - 100 loans per month

* Review files for GFE, TIL, ECOA, HMDA, RESPA, REG Z & REG B

* High volume loan / call center atmosphere

* Responded and service calls to brokers, agents, borrowers and banker 40 calls in one hour

* Fund and balanced 6 loans in one day, and maintained processing pipeline

* Funded 35 loans for closing as personal high

EDUCATION & CERTIFICATIONS

- FHA Credit Examiner & Compliance A - Z, FHA & VA Streamline refinance, San Diego, CA

Allied School of Real Estate - Public Notary, San Diego, CA

Mesa Junior College, San Diego, CA

- Introduction to Real Estate Lending - Pomona City, CA - Additional Courses Completed

- Stipulation Preparation LDS3 2013 / RESPA Changed Circumstance 2013 / WFHM Originations & Compliance Overview 2013 / RESPA GFE& FEE Services 2013 / RESPA Overview 2013/ RESPA Overview Changes 2013 / RESPA Basics 2013

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