Michelle Pereira

**** ****** **** ** *******, FL 33510 Cell: 813-***-****

ab9az8@r.postjobfree.com

Objective Seeking full time employment; willing to relocate.

Experience Underwriter-Loss Mitigation

03/2012 - 3/02/2013 CornerstoneStaffing/Corelogic/BOA Westlake, TX

Review income and assets, credit report, appraisal report, title, mortgage insurance & escrow, pay stubs, investment

rentals, profit and loss statements, and tax returns to determine conditions for approval

Responsible for accurately evaluating self-employment income utilizing automated tools and or worksheets

Calculate debt to income ratio and use expertise to determine borrower risk etc.

Determine borrower eligibility and compliance with client andor investor guidelines

Ensure correct documents and information are available in a variety of Clientsystems and that closings are conducted

properly

Partner with loan Originators and or Loan Processors to aid in the resolving mortgage application conditions

Responsible for entering all underwriting conditions into appropriate LOS system

Complete regulatory and compliance training as required

Remain informed of current underwriting practices and procedures

Knowledge and ability to comprehend findings from automated underwriting software such as DU, LP, and other AUS

systems etc.

Underwriter-Credit

4/26/10 -2/14/2012 FannieMae/Convergenz Dallas,

TX

Review loan files for mortgages sold to Fannie Mae, identifies loans that may be in violation of one or more Fannie

Mae Servicing Guidelines or the Lender’s Selling and Servicing Contract or Charter

Order underwriting and appraisal research documentation such as Real Quest, Field Reviews, Safecheck, Merged Credit

Reports, MLS, etc., for identifying and managing credit and counterparty risk as they relate to servicing-related functions

Input loan data ensuring accuracy and compliance with federal and state lawsgoverning mortgage lending

Maintain excel spreadsheets for records and time management purposes

Assist with development and training of new hires

Perform QC for underwriting support department

Utilize computer systems such as QAS, Android, CMS, Alpha, Excel, MS word, etc.

Data Entry/National New Accounts

12/21/09-4/2010 Pride Staffing/Morgan & Stanley Dallas, TX

Act as internal liaison between various departments

Review client portfolio to ensure investment packages are complete; assess for quality and compliance issues and resolve

Access data base to ensure archived documents are accessible

Adhere to continually changing policies and procedures

Route documents back to appropriate locations when additional information is required and or missing

Touched between 280-340 accounts daily

Data Entry/Default Control

7/2008-6/2009 Randstad/Citi Mortgage Irving, TX

Act as internal liaison between various departments

Maintain excel spreadsheets for various states utilizing Microsoft word mail merge in order to generate demand letters; mail to

borrowers experiencing delinquency on mortgage payments

Ensure that all demand letters for the Network Portfolio are sent out in a timely manner

Adhere to rules of compliance for each state; working with state regulatory agencies as required by law

Notate borrower’s account in DRI ensuring that all letters are uploaded to imaging

Responsible for the implementation of a training manuscript to serve as reference in the workplace

Education Tarrant County College Arlington,

TX

Associates in Liberal Arts 05/2010

Texas Women’s University 08/2012 Dallas, TX

Skills Proficient in all Microsoft Office and Adobe Programs, great attention to detail, customer service

and multi-tasking skills, excellent oral and written communications skills, able to handle challenges and adapt quickly to

change, good bookkeeping and accounts payable skills, & collected over $50,000 in unpaid debt through account

reconciliation and invoicing

Contact this candidate