Sheri Cooper Morrison

**** ****** ****** 951-***-****

Riverside, CA 92508 ad0tal@r.postjobfree.com

ad0tal@r.postjobfree.com

EDUCATION

Glendale High School

June 1982

Currently enrolled Coast Community College: Major Business Finance

US Army National Guard

Honorable Discharge

1982-1988

Goals:

BA Degree: : Business Finance

VA Certification

EMPLOYMENT OVERVIEW

Banking Industry Employers: Current Employer August 15, 2012

Consumer Loan Underwriter 4B / FHA D.E. / USDA

Wells Fargo Home Mortgage

1003 E. Brier Drive, 4th Floor

San Bernardino, CA 92408-2862

Wendi Ellinger - Loan Administrator Manager 909-***-****

Sr. Underwriter/ FHA D.E. Conventional May 2011 - August 2012

Home Funding Corporation

10718 Civic Center Drive

Rancho Cucamonga, CA 91730

John Lomen- President

Connie Ortiz- Underwriting Manager

909-***-****

Sr. Underwriter Level 3 Conventional/Level 2 FHA October 2010-April 2011

Bank of America Home Loans

975 N. Haven Avenue #200

Ontario, CA 91764

909-***-****

Sr. Conventional & FHA Underwriter June 2009-September 2010

Provident Bank Mortgage

7111 Indiana Avenue

Riverside, CA 92504

951-***-****

Sr. Underwriter/Mortgage Specialist December 2004- May 2009

Builder Division

Centex Corporation/CTX Home Loans

1265 Corona Pointe

Corona, CA 92879

951-***-****

Sr. Underwriter Conventional & FHA October 2002- November 2004

South Pacific Financial Mortgage Corporation

10730 Laurel Canyon #200

Rancho Cucamonga, CA 91730

909-***-****

Work Experience:

Job description: I am experienced/certified in reviewing, analyzing

and decision unusual/complex transactions both FHA & Conventional

financing In order to meet individual consumer & company requests. The

products include various Investor/industry guidelines Conventional &

FHA inclusive of complex underwriting to $750,000, reviewing financial

statements, credit reports, and applicable ratios (i.e. debt ratios,

loan-to-value); examining transactions to ensure accuracy and

completeness; analyzing & applying risk evaluation, ensuring that

documents are consistent and uphold to company and industry

guidelines; implementing fraud detection techniques, performing

compliance reviews; assisting with re-negotiations of loans based on

lending guidelines; explaining rationale behind credit decisions. I am

also proficient from origination to closing of the transaction to

include the shipping and insuring.

-Experience with VA underwriting (Not certified) - Familiar with Wholesale

Underwriting

- Thorough understanding of underwriting policies and procedures, as well

as investor guidelines and regulatory updates including knowledge of FHA,

VA, FNMA, and FMLMC guidelines and standards

- Experienced with LP and DU underwriting. - Familiarity with review and

understanding of complex tax documentation. - High degree of attention to

detail. - Proactive and timely communication to customers and business

partners on loan decisions and underwriting guidelines. - Superior internal

and external customer service skills, interpersonal and communication

skills. - Strong organizational skills. - Ability to work in flexible and

production underwriting strengths Proficient in the AUS- LP, DU, Clues.

Processing systems: TMO, Status mart, Edge & Point.

Ability to underwrite both paper & paperless files. Dual monitor friendly

FHA CERTIFICATION:

CHUMS ID# U857 01-1999

Direct Endorsement Seminar for Underwriters 1998- California State

University San Bernardino

Direct Endorsement Seminar for Underwriters 2008 - HUD Santa Ana, CA

Within the most recent 36 months, I have reviewed /analyzed & decisional

the following FHA transactions: Total scorecard & Manual Underwrite

inclusive of the URAR -Single Family 1-4

PUD/Condo, 2-4 Units.

Purchase: SFR/CONDO, SITE CONDO, PUD & 2-4 UNITS

Refinance: SFR/CONDO, SITE CONDO, PUD & 2-4 UNIT

Rate/Term, Cash out

Streamline both credit qualifying and Non Credit qualifying - With &

without appraisal

Rural Development loans

HUD REO repair Escrow

New Construction

Contact this candidate