Sales Loan Processor
Resume:
Parisha Kinsey
*** ***** *********** ** # ***
Diamond Bar, CA. 91765
*************@*****.***
Education: Underwriting Certificate, ASMB May 2005
Bachelor of Arts, Film and TV Production June 1999
Chapman University, Orange
Software:
LIS, DU/ LP, Microsoft Word, Outlook, Calyx Point, Genesis, Doc Magic,
Interact, Envision, Encompass, OMNI, FHA Connection, Speed trap,
Work Experience:
SVS Group Phoenix, AZ 01/2010 -04/2010
Due Diligence Underwriter
- Analyze delinquent loan portfolios
- Underwriter loans to determine deficiencies against original
investor and guidelines
- Validate income, asset and collateral including self employed tax
returns
- Contacting customers and partners to gather information to make
decisions
- Maintain high quality and production goals.
- Reviewing and analyzing appraisals, prelim and purchase contracts
Wells Fargo Financial Tempe, AZ. 10/2009 to 01/2010
Consumer Loan Underwriter 3
- Review credit, financial statements, tax returns, DTI ratios
- Collaborate with other underwriters for approving and declining
loans
- Assess loan for risk and loss and to maximize organizational profit
- Knowledge of FHA underwriting procedures
Remx Staffing, San Diego, CA. 03/09 to 10/2009
Consumer loan Underwriter 3- Wells Fargo Bank
- Analyze and approve mortgage loans under the government Harp
program, conventional and specialty mortgage programs
- Review credit, financial statements, tax returns, DTI ratios to
assure they fall within Freddie Mac and Fannie Mae guidelines
- Contact homeowners and customers to gather additional information
in regards to the loan
- Level 3C and L4 authority underwriter
- Review appraisal and title to assure it is within program
guidelines
- Successfully completed FHA processing training in LIS system
Washington Mutual, Chatsworth, CA. 05/08 to 12/08
Home Preservation Specialist/ Underwriter
- Assist with renegotiations of loans based on investor guidelines
- Contact homeowners to gather additional information
- Analyze and review credit, income docs and other supporting
documents for loan modification, deed in lieu, and short sales
- Qualify homeowners based on company guidelines for loan
modifications, deed in lieu, and short sales
AppleOne, Santa Ana, CA 10/07 to
02/08
Foreclosure Specialist/ Underwriter
- Review documentation and approve for suspension of foreclosure
- Communicate with attorneys, borrowers and third parties in regards
to foreclosure process
- Mitigating loss and risk to investor by accurately managing the
foreclosure process
- Assist with rewriting loan terms for borrowers
- Gather documentation and analyze for loan modification and short
sales for foreclosure postponement
Clayton, Shelton, CT 03/05 to 09/07
Underwriter- due diligence
- Review loan documentation to determine if buyer, property and loan
conditions meet company and government standards
- Determine terms and acceptability of risk of perspective loans
- Examine overall loan documentation to ensure accuracy and
completeness
- Evaluate loan to value ratio, credit reports, and applications to
ensure loans can be sold on secondary market
- Underwrite 8-10 loans per day
First Mortgage of America, Santa Ana, CA. 02/04-03/05
Underwriter/ Senior loan processor - Sub prime
- Review loan applications for accuracy and completeness
- Validate all loan information including loan scenarios
compatibility with investor guidelines
- Maintain good working relationships with appropriate contacts and
proper turn around time on all files
- Prepare loan approval, denial and the suspension notices
- Clarifies risk by requesting additional information
- Process and underwrite FHA and VA loans
RPI New York, New York 10/02- 01/04
Senior Loan Processor
- Verify information on 1003 and verify for accuracy
- Check loan file for completeness and accuracy
- Work with other team members to ensure efficient document flow
- Remain current on investor and bank requirements and ensure
compliance
- Responsible for reviewing and clearing approval conditions
- Process FHA and VA loans
Quick Loan Funding 05/01- 11/02
Senior loan Processor
- Fund loan off the warehouse line
- Draw loan docs and process loan files
- Work with title and escrow to ensure proper closing
- Submit loan file to investor per their guidelines
Contact this candidate