High School Real Estate

Loretta Wilson

**** *. ***** ****, ******, CA ***77

Home: 909-***-****

Cell: 909-***-****

E-Mail: ****************@*****.***

Summary of Qualifications

? Effective working independently as well as contributing to a

team effort

? Excellent analytical and investigative skills

? Highly motivated, reliable, confident and committed to

professional standards

? Proven track record in selecting and approving loans

Work Experience

Underwriter III (8/16/10-May 21, 2011)

Wells Fargo Home Mortgage

San Bernardino, CA

Review applications to Freddie Mac and Fannie Mae guidelines. Review loan

files and supporting documentation of income, assets and credit and

property to determine eligibility. Identify any and all critical missing

information. Analyze loans to comply with investor guidelines. Worked

with compliance officers to ensure Federal, State, and local compliance of

all mortgage and loan materials.

Underwriter III (3/06/10-8/16/10)

Wells Fargo Home Mortgage c/o Select Staffing

San Bernardino, CA

Review applications to Freddie Mac and Fannie Mae guidelines. Review loan

files and supporting documentation of income, assets and credit and

property to determine eligibility. Identify any and all critical missing

information. Analyze loans to comply with investor guidelines. Worked

with compliance officers to ensure Federal, State, and local compliance of

all mortgage and loan materials.

Underwriter III (1/4/2010-1/12/2010)

Wells Fargo Home Mortgage c/o Areotek

Irvine, CA

Training on the LPS system and LIFT ( paperless environment). Group Layoff

after 1 week of training.

Underwriter III (2/06/09-8/31/09)

Wells Fargo Home Mortgage c/o Select Staffing

San Bernardino, CA

Review applications to Freddie Mac and Fannie Mae guidelines. Review loan

files and supporting documentation of income, assets and credit and

property to determine eligibility. Identify any and all critical missing

information. Analyze loans to comply with investor guidelines. Worked

with compliance officers to ensure Federal, State, and local compliance of

all mortgage and loan materials.

Loan Modification Negotiator (10/30/2008-1/31/09)

21st Century Real Estate Investment, Rancho Cucamonga, CA

Process Modification requests from borrowers. Prepare Modification

packages per lenders request. Review financial documents. Negotiate with

lenders the best possible help for the borrower, based on their needs.

Sr. Underwriter (09/2001 - 02/2007)

Peoples Choice Home Loan, Inc., Irvine, CA

Review loan files and supporting documentation of income, assets and credit

and property to determine eligibility. Identify any and all critical

missing information. Analyze loans to comply with investor guidelines.

Worked with compliance officers to ensure Federal, State, and local

compliance of all mortgage and loan materials. Review 10+ mortgage loans

daily.

Education

9/1980 - 6/1984 Chino High School, Chino, CA

Diploma

Degree: 1984

Software Knowledge

Adobe Acrobat

Microsoft Mail

Microsoft Excel

Calyx/Point

Empower

LIS

LPS

LIFT

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