Customer Service Sales

*** ****** **** ******* 904-***-****

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

Fairburn, Georgia 30213

Calvin Ballard

Objective: To secure a FHA Direct Endorsement, Conventional Underwriter or

Objective

Credit Analyst position with an established financial Institution

Professional Experience:

Interbank Mortgage Company, Chicago, Il. 7/10-5/11

Senior FHA D.E. / Conventional Underwriter

Responsible for performing exceptional credit analysis for newly originated one to four family

residential units and analyzing compensating loan factors in effort to mitigate and control overall

corporate risk.

Extensive use of Desktop Underwriter automated underwriting modules in the decision making

process

Review and analyze all areas of government and conventional mortgage loan applications to

ensure accuracy, completeness and compliance with internal and regulatory guidelines while

maintaining a high level of customer service and communication with sales professionals.

OneWest Bank/Financial Freedom, Atlanta, Georgia 12/09-7/10

F.H.A DE Underwriter II

Extensive review income, credit and appraisal information for complete risk analysis of FHA

Government loans utilizing Manual Underwriting guidelines in compliance with Corporate,

Investor, FHA and HUD underwriting standards.

Responsible for establishing and maintaining relationships with Business Partners and Customer

Account Representatives to generation and development of new mortgage business.

Conducted PFQC (Performance Quality Control) audits on each pre-funded and post-funded loan

file to verify all conditions of the loan were met and all deficiencies cured to ensure loan is

insurable to HUD and Investors.

Completed Customer Fortent and RealQuest property and tax identity review on each loan file to

eliminate potential for fraud and residency/occupancy misrepresentation.

Bank of America, Jacksonville, Florida 9/04-12/09

F.H.A DE Underwriter II

Review credit statement and complete risk analysis of FHA Government loans utilizing Manual

Underwriting guidelines in compliance with Corporate, Investor, FHA and HUD underwriting

standards.

Extensive use of Desktop Underwriter, Loan Prospector and CLUES automated underwriting

modules in the decision making process

Responsible for establishing and maintaining relationships with Business Partners and Account

Executives in effort to generate and develop new mortgage loan business.

Responsible for coordinated efforts with Underwriting, Corporate Audit and Business Partners to

communicate audit results and obtain the additional documentation to correct deficiencies and

technical reviews.

Worked extensively with Business Analyst Team to determine audit criteria necessary to address

deficiencies and develop audit checklists and review forms to implement the audit process

Washington Mutual Bank/HomeSide Lending Inc, Jacksonville, Florida 11/99-9/04

Senior Underwriter (Conventional)

Responsible for performing exceptional credit analysis for newly originated one to four family

residential units and analyzing compensating loan factors in effort to mitigate and control overall

corporate risk.

Extensive use of Desktop Underwriter and Loan Prospector automated underwriting modules in

the decision making process

Review and analyze all areas of conventional mortgage loan applications to ensure accuracy,

completeness and compliance with internal and regulatory guidelines while maintaining a high

level of customer service and communication with sales professionals.

HomeSide Lending, Inc., Jacksonville, Florida 4/99-11/99

Underwriting Analyst/Investor Relations Analyst (Secondary Marketing)

Analyze closed loans to assure that all Government agency and Investor requirements are met.

Correct underwriting deficiencies that effect loan salability.

Responsible for marketing analysis and project coordination to determine the selection, feasibility

and ultimate implementation of new mortgage products.

EquiCredit Corporation, Jacksonville, Florida 10/96-4/99

Senior Underwriter

Responsible for rendering credit and collateral decisions in a timely and prudent manner

complying with Company and Investor guidelines.

Managed Underwriter teams while conducting “on site” due diligence and purchase of mortgage

portfolio from other mortgage lenders.

Merrill Lynch Credit Corporation, Jacksonville, Florida 9/93-10/96

Regional Loan Officer

Processed and approved mortgage loans adhering to document and disclosure requirements of

both Federal and State regulations.

Demonstrated strong income, credit and collateral analysis within FNMA and FHLMC

underwriting guideline framework with authority to grant approval to $250,000.

ITT Consumer Financial Corp, Jacksonville, Florida 8/86-9/93

Branch Manager

Staffed and trained (7) new employees in all areas of branch operations, including product

knowledge, extension of credit, delinquency control, and real estate development

Worked with area retail businesses in effort to develop products and services to meet their needs

and the specific needs of their customers.

Education:

Troy University, 8/82-8/86

Troy, Alabama

Bachelor of Science

Finance and Business Administration

Awards & Recommendations:

FHA Direct Endorsement, Housing and Urban Development

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