Analysis Mortgage Underwriter

Felicia Lavender

Email: *********@********.***

Address: *** *. **** ******

City: Winchester

State: VA

Zip: 22601

Country: USA

Phone: 301-***-****

Skill Level: Experienced

Salary Range: 75

Willing to Relocate

Primary Skills/Experience:

See Resume

Educational Background:

See Resume

Job History / Details:

FELICIA LAVENDER

220 S. Kent St Winchester, VA 22601 Phone: 301-***-**** *********@********.***

Mortgage Underwriter

Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review for GSE, FHA, VA, USDA, private, bank-owned, FHLMC and FNMA loans. I have been consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality and keeping homeowners in their homes.

Professional Experience

JP MORGAN CHASE- DULLES, VA 01/2012 - PRESENT

Senior In Market Underwriter

Key Duties:

Review and analyze customer financial documentation and propose solutions to assist customer in retaining homeownership.

Review and analyze highly complex borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses, potential fraud and determine proper loan resolution using specialized systems, processes and following contractual requirements.

Review the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines were followed.

Analyze delinquency; perform escrow analysis, income analysis, credit analysis, modification scenarios and proposals for appropriate work out options.

JP MORGAN CHASE- DULLES, VA 04/2009 - 12/2011

Underwriter/Loss Mitigation Specialist

Key Duties:

Provide multiple strategies for fulfilling loan repayments depending on the type of loan debt or delinquency.

Perform escrow analysis and determine potential modification scenarios.

Negotiate with the investor or servicer and state client's case. Propose repayment plans to fit both client's and the lender's needs.

Analyze delinquency; perform escrow analysis, income analysis, credit analysis, modification scenarios and proposals for appropriate work out options.

FINANCIAL SOLUTIONS GROUP 05/2005 - 04/2009

Underwriter/Loss Mitigation Specialist

Key Duties:

Provide multiple strategies for fulfilling loan repayments depending on the type of loan debt or delinquency.

Perform escrow analysis and determine potential modification scenarios.

Negotiate with the investor or servicer and state client's case. Propose repayment plans to fit both client's and the lender's needs.

Analyze delinquency; perform escrow analysis, income analysis, credit analysis, modification scenarios and proposals for appropriate work out options.

Education

SHENANDOAH UNIVERSITY- WINCHESTER, VA

Bachelor of Business Administration with a concentration in Management, 1992

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