Real Estate Sales

Susan Barin

**** ***** ******* ****

Santa Barbara CA 93111

805-***-****

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

SEPT 2005 – Most Current

CITYWIDE HOUSING AGENCY

REMOTE UNDERWRITE / FORENSIC AUDITS

• Responsible for the complete front end review of mortgage loan submissions which included the

verification of all income and asset documentation, pricing review, collateral review and loan

structure review

• FHA, VA IRRL loans as well as Conventional loans, LP open access and DU refinance plus loans

• •Underwrites conventional, government-backed (Federal Housing Authority

• (FHA) and Veteran Affairs (VA) loans mortgage loan files in compliance with lender, state and

federal underwriting/reporting guidelines

• Maintain required turn time on approve/eligible and manual underwrites

• Analyzed appraisals in accordance with acceptable appraisal practices to determine sufficiency of

collateral and loan terms determine if they meet financial institution requirements and

government regulations

• Examined transactions utilizing fraud detection techniques to mitigate risk while maintaining a

balance with production efficiency

• Adequately and effectively explained in written and verbal form the decision reached in a

manner that will maintain a positive relationship with all customers. Outline all terms and

conditions to ensure that all conditions are meet in a timely manner

• Manually underwrote problematic loans and all loans with findings “Approved/Ineligible”

• Ensuring job profit

• Performed post-close forensic analysis of loan files for completeness and accuracy.

• Operating knowledge of Doc Velocity, Lexas/Nexis,Mortgage Builder,Calix, Point

• Extensive knowledge FHA Connection, LPP and SARS

• Extensive knowledge of LP and DU AUS systems

• Fast study on Bank proprietary systems

• Reviewed guideline exceptions with external parties to ensure salability of closed loan interaction

with Secondary and Repurchase market.

• Engaged in credit risk meetings/seminars to increase knowledge of updated guideline and

processing procedure’s

JAN 2001 - SEPT 2005

COUNTRYWIDE HOME LOANS

UNDERWRITER /WHOLESALE TRAINER

FHA/ VA Rep for Southern East Coast

o

Educate New Brokers and processor how to Originate and process FHA and VA

o

loans

Educate Brokers and Processor on how to use SARS and FHA Connection

o

Trade Show Classes

o

Underwrote FHA and VA over flow

o

EDUCATION

Mar 2003 –Current

Continue Education Classes

• Short Sales Negotiation

• FHA Direct Endorsement Underwriting course

• Real Estate Board of North Florida

• •Appraisal Practices and Standards

• FHA and VA/ Jr. Underwriting

• Fraud Prevention

• Better Banking and Lending Under the Law

• First Time Home Buyers Programs

• Bond Program

• FHA Underwriter

• VA Underwriter

• FHA Direct Endorsement Underwriting course

**Reference provided by request

Contact this candidate