Mortgage Underwriter
Resume:
MARGARET A. PIETRYKA
North Brunswick, NJ 08902
*********@*******.***
Experience
HomeBridge Mortgage May 2014 to Feb 2017
dba REMN Wholesale
Production Underwriter
Conduct thorough review of applicants credit criteria per product requirements including Agency, Renovation and Jumbo products
Monitor and determine credit risk
Evaluate credit and title review
Calculate and verify various forms of income and employment information
Analyze tax information and income reported to the Internal Revenue Service
Validate and research relevant applicant information including credit history, assets, and collateral
Analyze appraised value in relation to comparables and adherence to collateral policy
Provide solution support, guidance, and encouragement to mortgage banking colleagues to benefit clients
Evaluation of assets and ensuring sufficient funds to close and reserves
High production and efficiency through financial applications including Encompass, Desktop Underwriter, Loan Prospector, Data Verify.
Specialized knowledge applied in all areas of the underwriting process from initial review to determination of final decision
Ensure compliance with REMN and investor guidelines
JPMorgan Chase May 2007 to March 2014
Senior Underwriter
Lending Authority for first and second mortgage loans, $1,000,000 and $150,000
Conduct thorough review of applicants credit criteria per product requirements
Monitor and determine credit risk
Evaluate credit and title review
Calculate and verify various forms of income and employment information
Analyze tax information and income reported to the Internal Revenue Service
Validate and research relevant applicant information including credit history, assets, and collateral
Analyze appraised value in relation to comparables and adherence to collateral policy
Full credit underwriting approval for Coops including appraisal review and project certification up to $1,000,000
Provide solution support, guidance, and encouragement to mortgage banking colleagues to benefit clients
Evaluation of assets and ensuring sufficient funds to close and reserves
Review and evaluate specialty bond loans
Ensure efficiency, quality, and timeliness of loan approval through direct liaison with Chase loan processors and loan officers
High production and efficiency through financial applications including Zippy, Closr, Desktop Underwriter, Loan Prospector, Data Verify.
Specialized knowledge applied in all areas of the underwriting process from initial review to determination of final decision
Ensure compliance with Chase and investor guidelines
ProUnlimited for Chase Manhattan Feb 2005 to May 2007
Contract Underwriter
Decision loans based on product guides and compensating factor(s)
Review and evaluate loan application for soundness and accuracy.
Analyze credit and risk
Calculate income and assets
Verify employment information
Proficient review and adherence to DU and LP findings
Geneva Mortgage Corp July 2004 to January 2005
Underwriter
Decision initial loan application based on credit criteria and product guides
Review supporting documentation and clear additional documents
Analysis of credit and risk
Review and calculate income and assets
Verify employment information
Final review of file and issue clear to close decisions
Avantor Capital LLC December 2003 to July 2004
Jr. Underwriter
Ensure investor guidelines are met
Analyze credit and risk
Calculate income and assets
Verify employment information
Clear additional conditions required and issue clear to close
Royal Mortgage Corp. November 2001 to October 2003
Loan Specialist
Validate LP/DU findings
Obtain and review investor specific documentation
Clear underwriting conditions
Analyze credit and risk
Calculate income and assets
Verify employment information
Answer and respond to phone calls, emails & faxes
Education
Middlesex County College - Degree in Social Sciences
Reference available upon request.
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