Loan Office

Kathleen Foster

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

Houston, DE

Mobile 609-***-****

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

__________________________________________________________________

OBJECTIVE: A challenging position involving analysis, coordinating, communicating and research,

with opportunity for advancement.

ACHIEVEMENTS:

Certificate in Paralegal Studies

Underwriter/Chums ID

Lending Authority through JP Morgan Chase Bank

Delegated Underwriting Authority through Genworth Financial

SKILLS: Microsoft Office 2007, Corporate Networks, Lotus Notes, Calyx, Lenders Office.

Experience making quick high quality decisions on complex issues.

Focused problem solving skills. Proficient in Word and Excel. Excellent oral

and written communication skills. Strong organizational and prioritizing skills.

PROFESSIONAL EXPERIENCE:

4/2008 – 6/2011 ATLANTIC PACIFIC MORTGAGE CORP Mt Laurel, NJ

D.E. Underwriter FHA, FNMA, FHLMC

• Underwrite retail and wholesale loan files in accordance with government

guidelines, state law and specific loan products.

• Review of borrower credit, income, tax returns and asset documentation

for qualification and fraud detection.

• Review of purchase contracts, addendums, title reports and required

disclosures.

• Analyze appraisals to insure subject property meets required guidelines.

• Mentor processing staff and loan officers on qualifying requirements.

• Render loan decision, review and clear conditions, full signing authority.

3/2003 - 11/2007 JP MORGAN CHASE BANK, Marlton, NJ

Validator FNMA, FHLMC, FHA

• Underwrite loan files in accordance with specific loan products.

• Due diligence review, analyze income/asset documentation, contracts, title

for loan qualification.

• Analyze appraisals to insure subject property meets required guidelines.

4/2001 - 3/2003 GMAC MORTGAGE CORPORATION, Mt. Laurel, NJ

Sr. Loan Processor FNMA, FHLMC, FHA

• Audit file for specific loan product, pricing and compliance

(State specific).

• Communicate with borrower loan/lock options. Calculate income/debt,

review assets.

• Review appraisal, clear title issues. Coordinate closing. Draw closing

documents.

• Prepare HUD-1. Prepare file for pre-funding audit. Post close loan

document package upon return from closing.

• Prepare loan package for shipping.

1997 - 2000 G.E. CAPITAL MORTGAGE SERVICES, Cherry Hill, NJ

Loan Purchasing Analyst

• Due diligence compliance audit of closed loan files from correspondent

lenders throughout the USA.

• Audit security instruments, compliance documents, TIL, REG Z, HUD-1,

Title Commitment and appraisal for FNMA/FHLMC flow and bulk

purchase.

• Review escrow reserves, decision file, wire funds

upon approval.

• Prepare servicing package for shipment.

References available upon request

Contact this candidate