Quality Control Customer Service

Juanita Omoruyi

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

Chicago, Illinois 60626

Cell Phone: 773-***-****

***********@*****.***

SUMMARY

Accomplished senior level professional with demonstrated expertise in areas

of underwriting, operations, compliance, customer service and staff

management within residential retail and wholesale mortgage division. Over

20 years banking industry experience.

COMPUTER SKILLS

Microsoft Excel Template programming, Microsoft Word, Microsoft PowerPoint

and Microsoft Outlook, Encompass, Contour Software and Unified

PROFESSIONAL SKILLS:

. Manual, LP and DU Automated Underwriting, Quality Control, Due Diligence

and Post Close Underwriting sixteen years.

. Conventional, FHA and VA loan processing six years

. Loan Originations two years

. Knowledgeable in FNMA and FHLMC and private mortgage insurance guidelines

. Excellent interpretations of new RESPA and compliance guides and due

diligence requirements and new loan office compensation

. Loss mitigations and HMDA Reporting and Secondary Market Knowledge and

Experience extensive

. Loan Modifications and loan repurchase feedback responses and review 7yrs

EXPERIENCE

Amerisave Mortgage, Atlanta, GA

Remote Senior Mortgage Underwriter

01/2012 to

Present

Review of first and second conventional residential loans, 90% investor and

self-employed loans, Manuel, LP and DU approval, responsible for review and

meeting Dailey quota of 5 new initial loans per day involving credit and

appraisal and compliance review based on FNMA and FHLMC government, state

and Company guidelines. Review of conditions files Dailey keeping within

SLA commitments of 24 to 48 hours turn time. Responsible for answering

Dailey emails, training, guiding and assisting processor and loan officers

with underwriting guides.

Fifth Third Bank, Oak lawn, IL

8/2011 to 12/2011

Senior Mortgage Underwriter (Contract)

Review of first and second 1-4 family residential loans for Manuel,

LP and Du approval, review of loan modification request

Analysis of income, credit assets, title and appraisal for value to

determine decision or referral to the board on Manuel loans with

Recommendations. Dailey correspondence to Loan officers in all 50

states and processors on status of decision, Successful completed

Review of eighty to ninety files per month succeeding company quota.

Extensive review on complex self-employed and investor

Loan review.

DEVON Bank, Chicago, IL 8/2010 to8/2011

Senior Mortgage Underwriter (Contract/Perm)

. Responsible for underwriting Conventional, FHA and VA loans

. Instrumental in creating Underwriting documents used and bringing audit

default down from 60% error rate to 10%

. Analysis of residential properties include complex financial statements

complex loan scenarios for high end borrowers, credit, ratios, appraisal

to ensure sound and reasonable value

. Handle file documentation including cross referencing documents and fraud

preventions techniques ensuring accuracy and completeness

. Ensure documents upheld to company and Investor guidelines Counter-Offers

. Lead and train loan officers in all branches on product knowledge and

guideline standards

. Contact customers and partners for additional information and

clarification to make sound prudent underwriting decisions

. Approve 85% of pipeline, 100% Manual underwriting on second mortgages

portfolio

. Extensive training on New Reaps Laws and HMDA Compliance as well as new

loan office compensation

. Respond and complete review of all feedback exception letters from

FHLMC/FNMA

The Private Bank, Worth IL 5/2010 to 9/2010

Senior Underwriter (Contract)

. Responsible for front line and quality control underwriting for all

Conventional, FHA and VA Loans

. Reviewed closed loan files for eligibility requirements to FNMA and FHLMC

guidelines

. Performed risk analysis and decisions regarding deficiencies that were

identified during the review

. Utilized prior experience and techniques with potential fraud to

accurately record data and findings and review conclusions

. Secondary market knowledge

. Reviewed incoming loans request from various states for required

documents before submitting to underwriting; standard income

qualifications, asset requirements and HMDA requirements

. Professionally communicated with brokers to track and obtain missing

information.

FCM Direct Lending, Oak Brook, IL (Contract/Perm) 9/2008 to 5/2010

Mortgage Underwriter

. Responsible for underwriting Conventional, Government, Jumbo and VA LAPP

. Underwrote files to analyze Capacity, Capitol, Character and Condition

ensuring loans meet program product specifications or counter offer when

appropriate

. Performed second review on contract denials

. Communicated decisions regarding approvals and denials

. Training and Experience in re-modification loan programs

. To prepare closing packages for closing

Triad Guarantee, Schaumburg, IL 10/2003 to 7/2007

Underwriter (Contract)

. Responsible for underwriting Reverse and Conventional Loans Conforming

and Non-Conforming

. Verified loan files including proper documentation, proper guidelines

followed, fraud prevention evaluation, income qualifications, and credit

evaluations ensuring completeness

. Secondary Market knowledge

. Review of 8-10 loans daily

. Responsible for written reports and professional communication of loan

findings and decisions with more than 15 brokers

Marquis Financial, Chicago, IL 9/2001 to 10/2003

Processing Manager

. Led and trained team in processing department

. Responsible for quality control, and file imaging ensuring efficiency and

compliance

. Proven track record with loss reduction and risk management streamlining

automated process increasing productivity.

. Increased monthly closings by 60%

. Coordinating with lenders regarding compliance and revised regulations

. Responsible for all human resource training and other related issues

regarding employment

Noble Mortgage, Allentown, PA 7/1999 to 8/2001

Underwriter

. Underwrote Conventional mortgage loans including both Conforming and Non-

Conforming

. Responsible for 6-8 loans daily closed 90% of pipeline

. Responsibilities included verifying assets, validations of income, review

of collateral and compliance

. Review of unusual complex underwriting and functions

. Preparing reports for review ensuring accuracy and completeness of

documentation that it is consistent and uphold to company and industry

guidelines

. Assisting with re-negotiations and pricing

Washington Mutual, Pittsburg, PA 5/1994 to 3/1999

Underwriter (Contract)

. Manual Underwriter in accordance to FNMA guidelines

. Reviewed loan file ensuring compliance

. Responsible for minimum 10 loan daily

. Review of automated caution loans to convert the decision if possible

converted 60% of my reviews from caution to approve eligible

. Ability to handle confidential material in a professional, highly ethical

manner

. Review comply and respond to FNMA quality control feed back letters

Bank One, Chicago, IL 7/1991 to 4/1994

Mortgage Underwriter

. Responsible for review of large condo and PUD projects ensuring

eligibility to secondary market guidelines

. Training and leading with industry guidelines of at least 10 loan

officers

. Thorough knowledge of FNMA and FMLMC guidelines acknowledging experience

and knowledge of secondary market REPS and Warrants policy

. Manuel portfolio underwriting experience at least 20% of pipeline

. Experience with income validation including complex tax returns Personal,

S-Corporations-Corporations and Partnerships

EDUCATION

Harold Washington College - Chicago, IL - Bookkeeping and Accounting

1986-1988

Federal Home Loan Association - Webinar Training Completions

2010-2011

. Collateral Assessment

. Sound Prudent Underwriting

. Condo Project Eligibility

. Freddie Mac Quality Control

. Mortgage Servicing Fraud Trends

. HMDA and New RESPA regulations

. FHA Underwriting training

Contact this candidate