BARBARA JACKSON – 904-***-**** ac13ij@r.postjobfree.com

Accomplished Conventional Underwriter with five

Years of Jumbo underwriter experience. Fifteen years of experience in mortgage and financial industries, Five years as underwriter manager as well. I am skilled in manual underwriting of loan files, complex tax returns with multiple companies/ and or entities as well as multiple borrowers. Well versed in full review of appraisals and have experience in Correspondent Wholesale, Retail Mortgage and Commercial Lending Origination and underwriting EXPERIENCE

Digital Risk/Bank of America Orlando, FL April 27,2015-Present SASE 5 Conventional Underwriter

• Reviewed and decision loans based on guidelines without the presence of an AUS approval

• Analyzed credit application, appraisals and all other mortgage specifics documentation.

• utilized automated underwriting engines ensuring that loan files adhered to company guidelines Manual underwrite without AUS

Review complex tax return 1065, 1120S, 1120 K1’S

Multiple borrowers on 1003

Complex Tax returns with multiple entities

Higher assets review for higher net worth clients

Analyze bank statement for possible re-occurring debt Review credit report to determine borrower credit worthiness Review Appraisal forms

Appraisal Form Name Fannie Mae

Freddie Mac and Fannie Mae

Uniform Residential Appraisal Report 1004 -70

Individual Condominium Unit Appraisal Report 1073 -465 Exterior-Only Inspection Individual Condominium Appraisal Report

1075 466

Exterior-Only Inspection Residential Appraisal Report 2055 -2055 Completion form 1004D

Lending Authority 5 million

Point of Sales calls on decline incomplete loans

Efficient in Agency and Non Agency loans

Remote -InterContinental Capital Group Conventional Jumbo Underwriter Mortgage Underwriter November 5,2013 to APRIL 15,2015

• Responsible for reviewing 2 to 4 files per day

• Manual Underwriting 60% of my Loans

• Responsible Clearing Conditions

• Review appraisal report to ensure it is support collateral requirement

• Provide lender with an accurate and adequately supported estimate of the value and complete, and accurate description of the property

• Analyze Lenders disclosure

• Review Fraud Detector

• Analyze the Flood Hazard Areas

• Reviewing tax returns and income statement

• Review and analyze a borrower’s credit worthiness

• Approving and denying a loan based off of borrowers file

• Make Point Of Sale Contact with the MLO Pulled

• To analyze and make determinations concerning the proper handling of loan account exceptions.

• Review findings (Automated Underwriting System)

• Reviewing the PITIA

• Signing Authority 3million

Wells Fargo 10/2010 – 09/ 2013 Mortgage Underwriter

• Review Credit documents and verification

• Manual Underwriting 45% of my Loans

• Clear Conditions • Review appraisal report to assure it’s of professional quality

• Provide lender with an accurate and adequately supported estimate of the value and complete, and accurate description of the property

• Analyze Lenders disclosure

• Analyze the property based on the appraisal value

• Analyze the Flood Hazard Areas

• Reviewing tax returns and income statement

• Review and analyze a borrower’s credit worthiness

• Approving, Denying or Suspend loans

• Analyze asset statements to determine if large Deposits, NFS or re occurring debt

• to serve as a source of analysis and internal reporting for loans.

• reviewing the Principal Interest Taxes Insurance HOA reviewed purchase contract

Recalculated income,reviewed assets and

JPMorgan & Chase Senior Underwriter 11/2006- 10-2010

• Reviewed and decision loans based on guidelines without the presence of an AUS approval

• Analyzed credit application, appraisals and all other mortgage specifics documentation. Also utilized automated underwriting engines ensuring that loan files adhered to company guidelines completing manual underwrites or alternatives FNMA/FHLMC requirements using DU or LP and automated underwriting system

• Review Credit documents and verification

• Clear Conditions

• Review appraisal report to assure it’s of professional quality

• Provide lender with an accurate and adequately supported estimate of the value and complete, and accurate description of the property

• Analyze Lenders disclosers

• Analyze the property based on the appraisal value

• Analyze the Flood Hazard Areas

• Reviewing tax returns and income statement

• Review and analyze a borrower’s credit worthiness

• Approving, Denying or Suspend loans

• Analyze asset statements to determine if large Deposits, NFS or re occurring debt

• to serve as a source of analysis and internal reporting for loans. Reviewing the PITIA Nation

Star

Remote

10/2002- 10- 2005

• Evaluate risk in accordance with all investor guidelines and company policies

• Manually underwrite all aspects of the loan file including title and appraisal reports.

• Carefully review loan documentation to determine borrower and collateral meet FHA guidelines.

• Condition file for approval and compliance, or identify reasons for rejection.

• Accurately review and input pertinent loan data into operational systems

• Effectively communicate all loan decisions to sales channels and management as needed

• Ensure all loan documents are accurate, complete and sufficient to clear all conditions for final loan approval.

• Work closely with all operational departments to establish productive and efficient work flows.

• Remain up to date on all HUD HECM guidelines and investor requirements Checks CAIRVS LDP and GSA

Agency products, HARP,FHA,Streamline,VA, IRRL,USDA and Bond product. Underwrote

HECM Loans (Reverse Mortgages)

Extensive experience with industry specific programs: DU, LP, Encompass, CALXY, IFULLFIL, Edge and DOS. Experience with both in-house and remote workplace environments

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