High School Mortgage Underwriter

Cindy Lore

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

Address:

City: Fort Mill

State: SC

Zip: 29715

Country: USA

Phone: 704-***-****

Skill Level: Any

Salary Range:

Primary Skills/Experience:

Proactive Mortgage Underwriter with 8 years mortgage experience in a high volume environment.

Educational Background:

High School Dipolma from John Carroll High School, FL 1/2001 to 5/1988 (AA)

High School Dipolma from IRCC, FL 1/2001 to 11/2012

High School Dipolma from Westwood College, FL 1/2001 to 11/2012

Job History / Details:

Career Focus

Proactive Mortgage Underwriter with 8 years mortgage experience in a high volume environment.

Summary of Skills

DU & LP experienced.

Tax Return Analysis

Very knowledgeable of FNMA & FHLMC guidelines.

Professional Experience

October 2012 to Current

New American Mortgage Charlotte, NC

Mortgage Underwriter (FHA/VA)

Upfront underwriting FHA,VA, Conventional (Purchase's & Refi's).

Adhere to industry and company guidelines.

Issue conditional approvals.

Work quickly to review conditions to meet closing dates.

Updated on new DU9.0 guidelines.

November 2009 to September 2012

Wells Fargo Bank Fort Mill, SC

Consumer Loan Underwriter III/SLR/ Promontory loan compliance underwriter

SLR Quality Analyst job function.

Review files for accuracy and data integrity, confirm the information, follows the investor guidelines and commit the results to CPI/LSI.

worked on the special promontory team in conjunction with the OCC **Responding to complaint files & contested foreclosed loans**

January 2009 to October 2009

J P Morgan Chase Charlotte, NC

Mortgage Underwriter (Temp)

Responsible for reviewing, analyzing, approving & underwriting complex files.

adhere to company & industry guidelines (debt to income ratios & LTV)

Functions: Examining of credit reports, appraisals, financial statements & 1003's commit loans in the system with the underwriting tool.

Provided the closer with closing instructions.

June 2004 to November 2008

K. Hovnanian American Mortgage Boynton Beach, FL

Mortgage Underwriter

Underwrote for the Raleigh & Charlotte, NC Market.

Reviewed income, assets,credit reports, appraisal & additional financial documents prior to approving construction (end) loans to close.

provide additional documents & conditions to the closer or processor prior to the loan closing.

Final run of DU/LP or other investor's automated underwriting tool.

September 2002 to June 2004

Countrywide Home Loans West Palm Beach, FL

Mortgage Underwriter

Reviewed all income, assets, credit, appraisal & title.

Ran loan through the Countrywide underwriting tool (clues).

Reviewed finding for additional guideline conditions.

Issued loan approval with condition's to the processor .

Education

88 John Carroll High School Fort Pierce, FL

High School Diploma

91 IRCC Fort Pierce, FL

Associate of Arts AA

10 Westwood College Denver, Co

Bachelor of Science Information technology & Internet Security

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