Management Analyst

Thomas M Huder Jr

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

Sugar Hill, GA 30518

609-***-****

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

Objective

To obtain an administrative or management position with a growth and profit

oriented organization.

Experience

2008-2010 PHH Mortgage Mount Laurel, NJ

Collateral Risk Analyst

. Provide technical expertise via evaluation and decisioning of

Conventional credit and collateral aspects of loan files.

. Review guideline exceptions with external parties to ensure salability

of closed loans.

. Participate in credit risk conferences to increase knowledge of the

current state of the mortgage industry.

. Ability to disseminate information to team regarding company

initiatives, investor updates, process changes, goal and performance.

. Partner with Operations Supervisor to conduct team meetings.

2007 Option One Mortgage Trevose, PA

Level II Underwriter

. Maintain daily 24 hour turn time while underwriting a minimum of six

files per day with a $650,000 loan sign off limit for national sub prime

mortgage lender.

. Complete all files within Option One's comprehensive mortgage guidelines.

. Work daily with credit grading for sub prime borrowers to create best

possible loan for each potential customer.

. Extensively review appraisals from all over the United States, all income

documentation and calculations, title work, and homeowners insurance.

. Work directly with Option One's Automated Underwriting System.

2005-2006 GMAC Mortgage Cherry Hill, NJ

Underwriter

. Underwriting of conforming, non-conforming loans, 5/1 "ARMS", Interest

Only 5/1 "ARMS", 3/1 "ARMS", 7/1 "ARMS", Jumbo, Express, and "piggy-back

loans.

. Evaluation of credit reports, appraisals, income documentation (tax

returns, bank statements, W-2's, pay stubs etc.

. Mentoring of processors with delegated authority levels of desktop

underwriting certification.

. Underwriting of Texas, Maryland, and New York modification loans.

2003-2004 First Franklin Financial Mount Laurel, NJ

Underwriter

. Underwrote sub prime loans in compliance with all FFFC and investor

guidelines.

. Consulted with account executives to ensure salability of loans.

. Maintained same day to 24-hour turnaround time.

2001-2003 Cendant Mortgage Mount Laurel, NJ

Specialty Products Scenario Analyst

. Reviewed scenarios to ensure compliance with all guidelines.

. Worked directly with mortgage consultants on any issues with scenarios.

. Reviewed Merrill Lynch non-conforming loans as needed.

1998-2001 Cendant Mortgage Mount Laurel, NJ

Mortgage Counselor

. Counseled customers from point of sale through closing.

. Reviewed credit reports, appraisals, and various other documentation.

. Managed averaged pipeline of 25-90 loans.

Education

1988-1991 College Misericordia Dallas, PA

. Majored in Business Administration. (Emphasis in Management)

. Proficient in Microsoft Office Suite 2007.

References Available

upon request

.

Contact this candidate