Quality Control Loan Officer

ALLA ALLOY

*** ********* *****, ************, ** 19116 267-***-****

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

Summary:

An experienced professional a thorough general knowledge of consumer

lending regulatory requirements with strong credit risk analysis skills is

seeking a full time job. Extremely motivated with a positive attitude and

experience in solving problems with a proven track record of quality

results. Excellent ability to organize, prioritize, work independently and

meet the deadlines. Maintains a high standards of excellence and strong

communication skills.

Work Experience

INFINITY STAFFING SOLUTIONS (contract with PHH MORTGAGE) Mt. Laurel, NJ

WCL UNDERWRITER April, 2010 up to April,2011

- Reviewed and assessed credit, income and asset documentation for non

approved loans, including qualification of self employed borrowers,

for compliance with PHH and investor guidelines

- Was the first from my cohort to work without supervisor

- On numerous occasions found alternative measures to work through

difficult loans

- Analyzed investor findings and internal audit reports, investigated

potential fraud cases

- Provided customers verbal and written help desk support and technical

expertise to assist with web scoring, underwriting scenarios, etc.

- Worked overtime and late hours to accommodate the large amount of

incoming loans

FIRST FINANCIAL GROUP OF PA, LLC Philadelphia, PA

UNDERWRITER/ MORTGAGE ASSOCIATE November, 2008 to April 2010

- Provided consistent and accurate underwriting of simple and moderately

complex loans, ensuring

compliance within Fannie Mae and Freddie Mac guidelines and within

acceptable risk levels.

- Analyzed applicants' financial status, credit and property evaluation

feasibility of granting loans

- Maintained manual underwriting for Hard Money Loans

- Communicate with numerous lenders, customers, agents on daily basis.

- Obtained a thorough understanding of the current underwriting guidelines

for commercial and residential loans.

PENNSYLVANIA BUSINESS BANK Philadelphia, PA

UNDERWRITER September, 2003 to November, 2008

- Managed entire mortgage deals from interviewing the applicants up to

closing with title agent without any additional help

- Specialized in underwriting and processing residential loans on the

wholesale and correspondent sides.

- Was integral in increasing the amount of loans closed in a year by sixty

percent.

- Obtained a thorough understanding of standard underwriting procedures,

guidelines and risk assessment tools to decision mortgage loans

- Identified transaction components that indicate potential for fraud and

perform sufficient investigate work to resolve issues that are identified

MONEY WAREHOUSE, Inc Philadelphia, PA

LOAN OFFICER / PROCESSOR November, 2001 to August, 2003

- Interviewed applicants and requested specified information for loan

application.

- Analyzed credit information to determine risk involved in lending money

to residential and commercial customers.

- Prepared report of findings in compliance with DU/LP guidelines.

- Described credit risk and amount of loan profit.

- Maintained strong communicational skills.

Skills - Proficient in DU/LP, big commercial, FHA, conventional and sub-

prime mortgage experience.

- In-depth knowledge of Fannie Mae, Freddie Mac and quality control

guidelines

- Excellent Word, Excel and Micro-Soft Access skills, experienced in

electronic files.

- Fluent in Russian.

Education

- Course Completion Certificate

in Banking Operations, IRA Accounts, Fiduciary & Decedent Accounts

2001, BAI Education Department, Chicago, IL

- Loan Officer Certificate

2001, First USA Mortgage Academy, Philadelphia, PA

- Master's Degree in Business, Finance

- PhD in Economic Sciences

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