Experience

In mortgage Industry for ** years as a loan officer, branch manager and mortgage broker.

Work History

Southwest Funding Mortgage, Dallas, TX 11/09 - Present

DE Underwriter

· Currently underwrite FHA, Conventional and USDA loans

· Review appraisals based on program perimeters based on LTV/CLTV and credit profile with fico score

· Responsible for underwriting all loan files assigned within a 48 hour period

· Responsible for clearing loan conditions within 24 hours of receipt

· Responsible and knowledgeable of FNMA /FHA/USDA guidelines to ensure they are followed accordingly throughout the files

· Use risk assessment tools to decision mortgage loans and appraisals

· Communicate the results of file reviews both verbally and in written format to internal customers..i.e. speak with company branches on a daily basis about their loan submissions, loan programs, restructuring, and resubmissions

· Making sure loans are FHA insurable and sellable to partner investors using their guideline overlays when clearing a file for closing

· Maintain a sound knowledge of secondary market activity and business practices, as they impact underwriting quality and origination activity

· Strong organizational skills, teamwork, and results are a must in this results oriented environment

State National Bank, Bedford, TX 06/07 - 09/09

Conventional Underwriter/DE Certification

· Reviewed Conventional and FHA loans

· Responsible for underwriting all loan files assigned within a 48 hour period

· Responsible for clearing loan conditions within 24 hours of receipt

· Use risk assessment tools to decision mortgage loans with such applications as DO, DU and LP

· Communicate the results of file reviews both verbally and in written format to external customers

· Maintained a sound knowledge of secondary market activity and business practices, as they impact underwriting quality and origination activity

· Strong organizational skills, teamwork, and results where pivotal in this results oriented environment

Mortgage Source, Dallas, TX 07/02 – 01/07

Broker / Loan Officer

· Specialized in conventional and sub-prime loans (FNMA, FHLMC, NICHE products…such as NINA, SIVA, SISA, and NINR) according to client profile

· Knowledge of FNMA / FHLMC / SUBPRIME guidelines to ensure they were followed accordingly throughout the files

· Pre-audited every file for investor program sustainability and compliance before submitting for initial underwrite

· Hired and trained producing loan officers and processors for conventional loans

· Established relations with wholesale lenders and affiliated companies in the mortgage industry

· Loan approvals’ using FNMA /FHLMC approval applications DU, LP within office or wholesale affiliated websites

· Loan originator

· Managed everyday operations

· Quality control

Benchmark Mortgage, Frisco TX 02/02 - 07/02

Branch Manager / Proprietor

· Specialized in FHA, conventional and sub-prime loans. (FNMA, FHLMC, NICHE products according to client profile

Allied Home Mortgage Capital Corporation, Dallas, TX 09/99 – 02/02

Branch Manager / Proprietor (05/01 – 02/02)

· Specialized in FHA, conventional and sub-prime loans. (FNMA, FHLMC, NICHE products according to client profile

· Loan approvals through DO, DU, LP or manually by wholesaler

· Knowledgeable of FNMA / FHLMC / FHA / SUBPRIME guidelines to ensure they were followed accordingly throughout the files

· Previewed every loan file originating from branch to verify investor guidelines where followed accordingly

· Hired and trained producing loan officers and processors for FHA and conventional loans

· Continuing education for loan officers on FHA / FHLMC / NICHE products by wholesale lenders, internet software products and reading material

· Developed and maintained relations with realtors, appraisers, etc.

· Loan originator

· Quality control

Loan Officer (09/99 – 05/01)

· Specialized in FHA / FNMA / NICHE loans according to client profile

· Loan approvals through LP or manually by wholesale lender

· Processed complete file using the following structure;

Verified income with voe, paycheck stubs, w2's and /or personal or business tax returns

Analyzed credit for delinquencies (according to program guidelines and investor overlays); Verified assets, collateral; Ensured all files met RESPA compliance; Any additional investor required documentation as needed

· Interviewed and assessed perspective client’s credit and ability to repay a mortgage loan. Point of contact with client from beginning of loan process to closing of mortgage loan

· Generated loan application using calyx software, gathered income and credit documentation. Analyzing, correcting and/or repairing credit to fit program criteria

· Processed and verified clients information before submitting complete file to mortgage wholesale underwriter for approval. Worked on closing conditions for final clear to close and any funding conditions

· Continuing education on FHA / FNMA with wholesale lenders. Information also included updates and changes, and new product information

· Developed and maintained relations with realtors, appraisers, etc.

Jefferson Mortgage, Dallas, TX 01/99 – 09/99

Loan Officer

· Specialized in FHA loans

· Marketed with realtors and insurance companies. Interviewed and assessed prospective client’s credit and ability to repay a mortgage loan. Point of contact with client from beginning of loan process to closing of mortgage loan

· Generated loan application using calyx software, gathered income and credit documentation. Analyzing, correcting, adding and /or repairing credit to fit program criteria

· Submitted complete file to in-house processor for submission to in-house underwriter

· Continuing education on FHA guidelines. Attended UCAP, UPCAP seminars

· Used available city programs for qualifying clients

· Developed and maintained relations with realtors, appraisers, etc.

Apex Mortgage, Dallas, TX 12/96 – 01/99

Loan Officer

· Specialized in FHA / conventional NICHE loans

· Interviewed and assessed prospective clients’ credit and ability repay a mortgage loan. Point of contact with client from beginning of loan process to closing of mortgage loan

· Generated loan application, gathered income and documentation. Analyzed credit reports, used supplemental credit as needed

· Submitted complete file to in-house processor for submission to wholesale underwriter

· Continuing education on FHA guidelines through wholesale lender affiliates

· Developed and maintained relations with realtors, appraisers

Office Max, Dallas, TX 05/95 – 02/97

Account Executive

· Opened business accounts

· Customer liaison

· Account maintenance

· Promote new products and sales to accounts

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