Quality Control Management
Resume:
HENRY BUTLER
Downingtown, PA. 19335
OBJECTIVE:
To secure a Loan Underwriter position.
SUMMARY OF EXPERTISE:
Conventional loan underwriting, residential and multi-family.
Knowledge of FNMA/FHLMC guidelines and document review.
Due Diligence, quality control audits and risk assessments.
Software - Desktop underwriting, Loan prospector, Clues, Assetwise.
Compliance and legal documents reviews.
PROFESSIONAL EXPERIENCE:
USAA, San Antonio, TX
08/10 to 10/10
Underwriter
Responsible for underwriting VA and Conventional loans. All
products were
subject to agency guidelines while maintaining strict customer
service and 48 hour
time constraints. Loans were funneled through DU or LP to make
sure all
items of concern were documented correctly.
Bank of America, Wilmington, DE. 05/10
to 08/10
Underwriter
Underwrite customer mortgage loans adhering to company and
agency guidelines.
Utilize various software tools to enable the approval process.
Clues and DU are
used to verify data gathered and ensure the sale of the loans.
Work efficiently
with
third party vendors and customers in an effort to compile
information needed
to stay
within compliance and streamline lending turn around time.
Clayton Loan Service, Shelton, CT
11/09 -
01/10
Underwriter/Contract position
Reviewed, analyzed, and cleared loans in accordance with and Fannie
Mae
guidelines. Risk analysis performed while making decisions
that concur with DU
seller
guidelines. Thoroughly examined loan packages to insure
eligibility, with
focus on
fraud deficiencies. Identified transaction details and
prepared reports
for buybacks and
unsaleable loans.
COVINGTON PARTNERSHIPS, Palos Verdes, CA. 8/00 - 8/09
Senior Underwriter /Quality Control Underwriter
Covington partnerships was an underwriting firm that provides
information and analytic
services to fixed income investors, servicers, originators, and
bond insurers.
Covington Partnerships is now out of business.
Analyzed and performed credit analysis. Handled loan workouts and
repossessions of collateral as it relates to asset types. Knowledge of
task law common to financial institutions: securitization agreements,
letters of credit and unfunded commitments. Conducted compliance
examination reviews. Assisted management in formulating programs to
address and correct deficiencies identified in loan reviews. Prepared
and submitted comprehensive reports based on examinations. Duties
included bulk and wholesale flow underwriting.
FIRST FINANCIAL, Los Angeles, CA 12/94 - 7/00
Senior Underwriter
Reviewed and evaluated residential conventional loan packages for
final
disposition and sale to FNMA. Analyzed and consulted with loan
processors and loan
officers regarding inquiries associated with FHA loan files.
Conducted thorough
analysis of credit reports, appraisals, title, and all other
pertinent
documents necessary to render a final decision. Utilized Desktop
Underwriter
and Loan Prospector as tools for sale.
SECURITY PACIFIC NATIONAL BANK, Chatsworth, CA 4/87 - 11/94
Senior Underwriter
Rendered decisions to approve or decline conventional mortgages
according to FANNIE MAE guidelines. All final dispositions were
based on total
risk evaluation but not limited to strong compensating factors.
Signing authority of up to $500,000 on all loan files recommended for
approval. Assisted in quality control audits, portfolio analysis,
and
provided quarterly evaluations to senior management. After manual
underwriting all loans subject to approval through either DU or Loan
Prospector.
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