Objective:

Highly ethical, team player and a well organized mortgage underwriting

with the exceptional ability to mitigate loss and risk is looking to obtain

a challenging and rewarding career within a corporation that will allow me

to utilize my 16 years of mortgage underwriting, credit analysis,

compliance and/or management experience to the fullest.

Education:

Academy of Accountancy, St. Louis Park, MN

Completed 20 credit hours towards an associates degree in accounting

June 1984 to July 1985

Professional development:

Time Management and Organizational skills Fifth Third Bank,

January 2010

VA Training Fifth Third Bank,

June 2010

Understanding the self employed borrower RMIC, December 2009

Evaluating the single family and 2-4 unit appraisal RMIC, December

2009

Risk Management and Compliance CitiMortgage,

March 2004

Fraud and Risk Evaluation in the loan file CitiMortgage,

November 2001, November 2003

Mortgage Underwriter Level IV, Wells Fargo Home Mortgage -- Bloomington, MN

October

2010 to April 2011

Responsible for reviewing, analyzing, approving and underwriting large,

unusual and complex individual consumer mortgage requests within Wells

Fargo and industry guidelines. Evaluated loans in order to maximize

organizational profit as wells as minimized risk and loss to the company.

I thoroughly examined transactions to ensure accuracy and completeness. I

prepared formal reports for review ensuring that documents are consistent

and uphold company and industry guidelines. I also implemented fraud

detection techniques and performed compliance reviews. Contacted customers

and partners to gather information to make appropriate decisions and

explained rationale behind credit decision as well as assist with re-

negotiations of loans based on lending guidelines. I consulted with the

Lead Underwriters on loan exceptions. My credit authority allowed me to

approve loans up to a max loan amount of $850,000 and was able to withdraw

and decline loans according to guidelines and/or customer request while

ensuring all loans met FNMA, FHLMC, Wells Fargo and all state specific

requirements as well as laws for Real Estate Settlement Procedures Act and

the Home Mortgage Disclosure Act.

Retail Mortgage Underwriter, Fifth Third Bank (Adecco Temp) -- Cincinnati,

OH

February 2009 to August 2010

Underwrote and rendered an underwriting decision and subsequent clearing

conditions to ensure credit guidelines are met on conventional conforming

and non conforming loans according to FNMA, FHLMC and Fifth Third

guidelines. My credit authority allowed me to approve loans up to

$625,000. Additionally, I was responsible to audit pre-closed and closed

loan files to assure the loans were underwritten according to FHA, VA,

FNMA, FHLMC, and Fifth Third guidelines. Recorded deficiencies discovered

throughout the course of the audit, and evaluate the quality of the files

audited. I often prepared a clear and concise report of significant

findings on a file-by-file basis. Reviewed responses to issued reports,

setting forth any corrective action taken as a result of reported findings.

Disposition loan files according to compliance and HMDA guidelines.

Manager/Underwriter, Magellan Harbor Lending--St. Louis, MO

October 2005 to January 2009

Manage and direct the daily activities of the mortgage operations

department as well as hire and train new employees. Responsible for the

productivity and budgetary performance of the operations department.

Ensured all staff is properly trained and current on all State and Federal

Regulations as well as Lender Specific Guidelines. I developed and

implemented policies and procedures and ensured they were executed by all

staff. I was responsible for all correspondence addressed to Magellan

Harbor Lending including but not limited to complaints, broker packages,

and computer issues. Assist the CPA with the HUD audit to ensure we

maintain our HUD status. Performed pre closing file reviews of all

processors files to ensure all processing QC standards are met and each

file is in compliance with HUD and Fannie Mae guidelines. Ensured new

mortgage loan packages are processed and completed according to established

policies and procedures. Developed and implement file management policy.

Create marketing campaigns via power point presentations, flyers and

brochures. Educate and Counsel applicants on the mortgage process as well

as their credit.

As the Sr. underwriter I had credit authority to approve conventional loans

up to a max loan amount of $1,000,000 on the company's credit line and

according to company, FNMA and FHLMC guidelines.

Repurchase Coordinator, CitiMortgage, Inc. -- O'Fallon, MO

October 2001 to May 2005

Review each repurchase recommendation referred from FNMA, FHLMC, HUD, VA,

MI Companies, QC, Post Close, Fraud, Default Management, Legal, or other

private investors to determine an appropriate course of action. Re-

Underwrite the closed loan file manually to verify the validity of the

repurchase demand. Act as a liaison between CMI and Third Party

Originators (TPO) in connection with all repurchase referrals. Negotiate

the buy back of the mortgage; make whole or indemnifications between the

TPO and CMI and between CMI and FNMA, FHLMC or the MI companies. Identify

and document salability and fraud issues and work with the loan originators

and Sales to achieve resolution. Knowledge of FNMA, FHLMC, HUD and VA

guidelines and of potential misrepresentation and red flags to prevent

fraud and mitigate risk to the corporation.

Loan Consultant, TEAM Mortgage -- St Louis Park, MN

January 1999 to

June 2000

Underwrote conventional mortgage loans and rendered an underwriting

decision according to FNMA and FHLMC guidelines. Processed and develop

loan files for submission to FHA, conforming and/or non-conforming

investors for approval. Submit loans through Desktop Underwriter or lender

specific Automated Underwriting System for loan approval. Coordinate

closing between borrower, seller, realtor, and/or builder. I had to know

all State and Federal regulations and lender specific guidelines. I

provided mortgage seminars to counsel borrowers on their credit and

homeownership.

Loan Analyst Supervisor, Samboy Financial, Inc. -- Plymouth, MN

February 1995 to

October 1998

Manage a team of 8-10 processors' attendance and work performance while

implementing Time Management Techniques. Ensured all team personnel were

properly trained and current on proper processing techniques for FHA,

Conventional and subprime loans. Knowledge of State and Federal

regulations and lender specific guidelines. Responsible for the hiring,

coaching, developing and supervising of team members, including decisions

relative to performance reviews, terminations, hires, discipline, and

salary actions. Generate all closing documents. Monitor team workflow for

quality control. Underwrite loan files and issue clear to close when

workflow is extreme. QC all of my processors signed closing documents for

compliance discrepancies and section 32 fees are within tolerance per state

and issued clear to fund.

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