ISMENIA CAROLINA CAM

**** ***** ***** **.-**** P-Orlando, Florida 32812 ~ Mobile 407-***-**** ac0o2d@r.postjobfree.com

Objective: Accomplished Bilingual Mortgage Real Estate Professional with 14 years of expertise in the industry, actively participating in all aspects of the mortgage loan transaction process – from application to funding –seeking a reputable organization where I can best utilize my skills to optimize the continued growth and success of the company. Professional Experience

Digital Risk, LLC, Maitland, FL

PRE HSS ( March 18, 2015 to current) – SASE LEVEL 1 –

• Program identification and ensuring that the corresponding guidelines are adhered to the Bank policy.

• Validating the AUS decision including the review of AUS to identify errors or additional conditions that may be required

• Validation of all supporting documentation submitted to underwriting including credit, title, appraisal, income, assets, and insurance

• Review of the credit report for accuracy and red flags

• Limited appraisal review

• Review of the title for accuracy and red flags

• Calculation of DTI, income, assets, and LTV/CLTV

• Review for possible misrepresentation, omissions, inaccuracies, and red flags

• Preparation of a mortgage loan application and supporting documentation to be delivered to an underwriter for consideration

• Ordering title, appraisal, insurance, etc

• Running the AUS to have a preliminary decision to submit for review Collecting the support documentation required by AUS from the borrower and submitting the loan to underwriting.

American Mortgage Loan Services, LLC, Altamonte Springs, FL Mortgage Loan Originator/ Processor – NMLS# 309657 ( November 30, 2014 to May 05, 2015)

• Work with borrowers, keep them informed during loan process.

• Program identification and ensuring that the corresponding guidelines are adhered to.

• Preparation of a mortgage loan application and supporting documentation to be delivered to an underwriter for consideration, request title, appraisals, credit supplements.

• Review of the credit report for accuracy and red flags

• May review refer loans/conditions for recommendations prior to referring loan to UW

• Validation of all supporting documentation submitted to underwriting including credit, title, appraisal, income, assets, and insurance

• Calculation of DTI, income, assets, and LTV/CLTV

• Experience reviewing complex financial documents including computing income utilizing tax returns (tax analysis of Schedule C, S-Corp, Partnership, etc.). Digital Risk LLC, Maitland, FL

Mortgage Underwriter (BofA project) (May 28,2014 to August 23, 2014)

• Perform in depth analysis of credit report to ensure all liabilities are counted for and appear on the 1003 per guidelines; also request letters of explanations for names and address variations captured in such review.

• Analyzing complex business and personal financial statements, pay stubs, tax returns, calculating DTI (Debt to Income) to ensure ratios are acceptable per guideline requirements

• Perform in depth analysis of assets to ensure all necessary documentation is received and recorded per guideline requirements.

• Perform in depth research to document critical credit documentation is accurate

(income, employment, occupancy, credit, assets, valuation, contract, etc

• Ensure collateral meet the guidelines and all factors which influence credit risk.

• Resubmit loan through to AUS and review to capture any new condition, requirement or approval changes base in updated findings.

• Final Approval, Suspend or Approved with Conditions based on file review and updated AUS findings, using auto generated and free form conditions as needed.

• Manual Underwriter, AUS, Portfolio Products, Conforming, FNMA & FHLMC, VA Refinances.

• Prioritize deals in workflow queue in order to minimize turnaround time.

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Loan Signing Services, Orlando, Fl.

Mobil Closer - (November 15,2013 to May 27, 2014)

Closing, perform mobile loan closings for title companies and builders. Sun Trust Mortgage, Orlando Fl. Lending authority to 417,000. Mortgage Underwriter – (April 02, 2012 to Oct 31, 2013)

• Manual Underwriting: Analyze credit report to ensure all liabilities are counted for and appear on the 1003 per guidelines; also request letters of explanations for names and address variations captured in such review.

• Analyzing complex business and personal financial statements, pay stubs, tax returns, calculating DTI (Debt to Income) to ensure ratios are acceptable per guideline requirements

• Perform in depth analysis of assets to ensure all necessary documentation is received and recorded per guideline requirements.

• Perform in depth research to document critical credit documentation is accurate

(income, employment, occupancy, credit, assets, valuation, contract, etc

• Ensure collateral meet the guidelines and all factors which influence credit risk. Extensive appraisal review experience

• Resubmit loan through to AUS and review to capture any new condition, requirement or approval changes base in updated findings.

• Final Approval, Suspend or Approved with Conditions based on file review and updated AUS findings, using auto generated and free form conditions as needed. Review and decision loans based on guidelines without the presence of an AUS approval to assess an individual's creditworthiness

• Manual Underwriter, AUS, Portfolio Products, Conforming, FNMA & FHLMC, VA Refinances.

• Prioritize deals in workflow queue in order to minimize turnaround time.

• Sign off authority for conditions related to calculation of income, assets, collateral, and credit and

Wells Fargo Home Mortgage, Lake Mary, FL.

Manual Underwriting – Auditor-Review - (Nov 01,2011 to March 30/12)

• Underwrite and audit defaulted loan files based in information submitted in the Claim Intake Form by the customers; research the case and review the file for financial harm, identify legal documentation needed to support the file, obtaining all information required.

• Review of the title for accuracy and red flags

• Limited appraisal review

• Review foreclosed loans, evaluating BK’s, Title Works, Appraisals, BPO’s, and legal documentation to determine whether or not they were processed accordingly with guidelines and requirements of law.

• File assembly, queue manager and quality control, work together to provide to 3rd party appropriate document for the “Foreclosure Review”

• Review for possible misrepresentation, omissions, inaccuracies and red flag. American Mortgage Loan Services, LLC. -Altamonte Springs, FL. Senior Processing - NMLS # 309657 -- (Sep. 07, 2009 to Sep 30, 2011)

• Processing: Analyze employment profile, credit strength, assets, complex business and personal financial statements, pay stubs, tax returns, calculating DTI (Debt to Income) to ensure ratios are acceptable and ensure all necessary documentation is received.

• Program identification and ensuring that the corresponding guidelines are adhered to

• Extensive appraisal review experience. Responsible for ensure collateral meet the guidelines.

• Responsible for reviewing, rendering credit decision and negotiating the appropriate terms for approval or counter offer a credit application based on specific situations.

• Review of the credit report for accuracy and red flags

• Review and decision loans based on guidelines without the presence of an AUS approval to assess an individual's creditworthiness

• Complete processing of Conventional, Conforming Non-Conforming Loans, FHA loans, 203(k).

• Mortgage Insurance Requirements/UFMIP/Monthly MIP/VA Appraisal Analysis.

• Thorough knowledge of compliance SAFE including ECOA, RESPA and FL State Statues. NBI Capital Mortgage, Corp - Auburndale, Fl.

Owner-Mortgage Loan Originator-Processor-Modification Specialist-

(Feb.09 2006 to Sep 01, 2009)

• Full underwriter for FNMA/FHLMC loans, with AUS and manual. Specializing in complex self-employed borrowers.

• Examining transactions to ensure accuracy and completeness.

• Assisting and Supervising successful team in organization consisting of Facilitator, Processor, Closer and regarding on-time closings and zero deficiencies

• Contacting customers to gather information for submission of complete files.

• Responsible for processing own pipeline while being the point of contact for all parties involved in the transaction.

Education

ABA Financial ... Institute Of Technology Alonso Gamero -Coro-Falcon, Venezuela 08/92 BA Universidad Del Zulia - Maracaibo-Zulia, Venezuela 09/1996 Professional Training

Mortgage Loan Originator ~ NMLS# 309657 -

Loan Signing Agent ~ National Notary Association - Commission GG053208 exp 2021 Languages

Fully Bilingual in Spanish and English.

Computer

MS Office, Calyx Point, Encompass, ALS, ACAPS, PION, Outlook, Paperless (image docs), One Note, Excel, etc...

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