Mortgage Underwriting, due diligence, fraud analysis, problem solving

SUMMARY

Energetic professional skilled in mortgage underwriting, fraud analysis, due diligence and mortgage lending. Dependable self-starter and quick learner with strong analytical, organizational, communication and time management skills. Reputation for being an efficient worker who enjoys challenges.

EXPERIENCE

SitusAMC, Specialist I 8/2018 – Current

Perform due diligence underwriting reviews on a variety of products including: FNMA, FHLMC, FHA, VA, Lease (DSCR), Fix/Flip (LTC), Non-QM, ATR, Agency, Non Agency, and bank statement loans. Reviewed investor data of pre and post TRID closed loans for quality and compliance, revealing any discrepancies in data, violations, misrepresentation and fraud.

Review complex income and debt analysis to determine ability to repay.

Rapidly learn and apply multiple lender and program guidelines, based on client need, on a continual basis.

Maintained an average quality score of 99.4% while exceeding production goals.

The Barrent Group, Senior Quality Assurance Analyst 12/2011 – 8/2018

Performed forensic re-underwrites of non-QM mortgage loans. Identified red flags, performed fraud investigation work, examined loan servicing activity, and determined if targeted loan selections met the terms, conditions, representations and warranties of the applicable contractual documents and underwriting guidelines relevant to the origination and sale of loan files. Prepared written loan summaries for correspondence to clients to summarize loan findings and any related breaches of representations and warranties.

Assisted the Audit Team with audit of peer loan reviews and written summaries when resources were insufficient.

Performed quality control of data reports and written summaries in preparation of sending reports to clients.

Utilized the following daily: Microsoft Excel, Microsoft Word, LexisNexis, RealQuest, The Work Number, Mortgage Electronic Registration System (MERS), Automated Valuation Model (AVM), Pacer and web searches.

Wells Fargo, Underwriter III 5/2008 – 12/2011

Performed risk analysis associated with making first lien mortgage loans to potential borrowers and communicated requirements for loan approval to both internal and external customers. Additionally, reviewed and adjusted home equity collection accounts to reduce delinquent or problem loans while staying within the framework of investor guidelines. Analyzed customer financials and credit information to restructure affordable payment plans.

Performed second level review of applications declined at the first level of review. Successfully approved payment plans or modifications for 15% of applications originally declined through analytical problem solving.

Citi Home Equity, Underwriter II 2/2005 – 11/2007

Analyzed loan applications and rendered decisions based on levels of risk associated with applicant credit-worthiness.

Principal Residential Mortgage, Inc., Assistant Manager – Post Closing 6/1998 – 2/2005

Managed up to 65 employees providing technical support and expertise on title issues through training and problem resolution. Main functions included human resources, project management, quality control, and coaching.

Provided exemplary customer service to internal and external partners to quickly resolve complex issues.

Prepared and delivered quarterly and annual performance reviews.

EDUCATION

University of Northern Iowa May 1998

B.A. Criminology / Sociology

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