Quality Assurance Real Estate
Resume:
Nakisha-Monique
**** ***** **** ****** **. Kennesaw, Ga. 30144
Cell: 678-***-**** or 678-***-****
**************@*****.***
LPS Capital Services
Due Diligence Contract Underwriter
* Underwrite Mortgage loans to investor guidelines by
identifying and analyzing due diligence issues and loan
risks.
* Evaluate loan documentation.
* Validate automated underwriting decision per delegated
authority.
* Reviewed files for completeness and accuracy to ensure
the file is sellable on the secondary market.
* Ensure all investor guidelines are met and suspended
files with inaccurate or missing information.
*. Compliance underwriting on conventional, conforming, and
non conforming products.
* Analyze and evaluate documentation on funded FHA and
conventional loans.
* Analyze appraisal reports to insure that the lenders
collateral is appropriate and in compliance.
*. Review credit reports. Valuation of title services. Lien
releases. Loan servicing. Quality assurance.
* Worked imaged files. REO. Servicing/Review Notes.
Repurchase. Employment and Appraisal verifications. Scratch
and Dent. Review Payment Histories.
* Verified subordinate financing and Reviewed subordination
agreements for accuracy
* Review appraisal declining market classification
*Forensic Fraud Review/Loss
Mitigation. Fannie Mae and Freddie Mac. Loss Mid.
H&R Block Mortgage
10-2003 to 10-2005
Front-Line Underwriter
. Validate automated underwriting decision per delegated
authority.
. Managed a pipeline of conventional, government, and
portfolio loans.
. Evaluate loan documentation and clear conditions as per
delegated authority.
. Achieve and maintained internal training and
certification for underwriting decision and delegated
authority.
. Validate automated underwriting decision per delegated
authority.
. Ensure all guidelines are met and suspended files with
inaccurate or missing information.
. Underwriting on conventional, conforming, and non
conforming products.
. Analyze appraisal reports to insure that the lenders
collateral is appropriate and in compliance.
. Review credit reports. Valuation of title services. Lien
releases.
. Ran DU, LP, and FHA connection for Prime and Government
loans.
. Manually underwrite each sub-prime loan.
. Fraud Review
. Calculate income
. Fannie Mae and Freddie Mac
. Verified subordinate financing and Reviewed
subordination agreement for accuracy
. Review appraisal declining market classification
Allied Home Mortgage
02-2003 to 10-2003
Processor
. Managed a pipeline of conventional, government, and
portfolio loans.
. Review verifications daily and provide consistent follow
up with clients.
. Faxed and sent overnight required documents requested by
lenders and clients.
. Employment and appraisal verifications.
. Prepared closing packages and coordinated closings with
clients, lenders, and title companies/attorney offices.
. Ensured accurate, complete, and timely loan data on
processing system.
. Verified documents, fees received, and charges.
. Analyze appraisal reports to insure that the lenders
collateral is appropriate and in compliance.
. Review credit reports. Valuation of title services. Lien
releases.
. Ran DU, LP, and FHA connection for Prime and Government
loans.
. Fraud Review. Calculated income.
. Cleared conditions. Post Closing
. Fannie Mae and Freddie Mac
Mortgage Plus
Front-Line Underwriter
02-2002 to 02- 2003
. Validate automated underwriting decision per delegated
authority.
. Managed a pipeline of conventional, government, and
portfolio loans.
. Evaluate loan documentation and clear conditions as per
delegated authority.
. Employment and appraisal verifications.
. Validate automated underwriting decision per delegated
authority.
. Underwriting on conventional, conforming, and non
conforming products
. Analyze appraisal reports to insure that the lenders
collateral is appropriate and in compliance.
. Manually underwrite each sub-prime loan
. Prepared closing packages and coordinated closings with
clients, lenders, and title companies/attorney offices.
. Ensured accurate, complete, and timely loan data on
processing system
. Review credit reports. Valuation of title services. Lien
releases. Appraisals.
. Ran DU, LP, and FHA connection for Prime and Government
loans.
. Review verifications daily and provide consistent follow
up with clients.
. Verified documents, fees received, and charges.
. Fraud Review. Calculated income.
. Cleared conditions.
. Fannie Mae and Freddie Mac
. Verified subordinate financing and Review subordination
agreements for accuracy
. Review appraisal declining market classification
Pinnacle Mortgage
Front-Line Underwriter
12-1998 to 01-2002
. Managed a pipeline of conventional, government, and
portfolio loans.
. Faxed and sent overnight required documents requested by
lenders and clients.
. Employment and appraisal verifications.
. Analyze appraisal reports to insure that the lenders
collateral is appropriate and in compliance.
. Review credit reports. Valuation of title services. Lien
releases.
. Ran DU, LP, and FHA connection for Prime and Government
loans.
. Review verifications daily and provide consistent follow
up with clients.
. Ensured accurate, complete, and timely loan data on
processing system.
. Fraud Review. Calculated income.
. Cleared conditions.
. Manually underwrite each sub-prime loan
. Underwriting on conventional, conforming, and non
conforming products
. Evaluate loan documentation and clear conditions as per
delegated authority
. Fannie Mae and Freddie Mac
. Verified subordinate financing and Review subordination
agreement for accuracy
. Review appraisal declining market classification
Education
University of Missouri-Columbia Communications/Pre-Law 1994-
1995
University of Missouri-Kansas City Communications/Pre-Law 1996-
1997
Georgia MLS Real Estate
2007
Kennesaw State University Paralegal Certificate
2008
References
Sharon Mason Freedom First Mortgage 404-218-
1422
Malaika Torrey Contract Underwriter 678-862-
2575
Darrell Mathews Contract Underwriter 404-964-
4768
Leroy Tilman Contract Underwriter 678-
207-8881
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