Professional Experience

Tenured Mortgage Senior Underwriter with a demonstrated history of working in the mortgage industry. Strong analytical, customer service skills. Retail, Correspondent and Wholesale underwriting.

Experience

BRYN MAWR TRUST COMPANY Bryn Mawr, PA 5/16-7/17

Residential Loan Underwriter

• Reviewed mortgage loans from initial to final approval. Income analysis, credit review, appraisal review, title.

• Underwrote Conventional, FHA and Bank portfolio products.

• Responsible for underwriting loans for salability to investors.

• Consistently met or exceeded daily SLA goals.

• Worked with mortgage loan officers for successful loan applications. UNITED HOUSING SERVICES AMERICA Philadelphia, PA 11/14-2/16 Quality Control Underwriter

• Closed loan review for completeness and accuracy to ensure agency guidelines followed as well as ensuring no misrepresentation.

• Re-validate information in the file used to make underwriting decision on Conventional, FHA, VA and USDA loans. Income recalculated, assets verified, title reviewed, appraisal re-underwritten.

• Compliance review implementing current mortgage lending rules and regulations.

• Identify potential credit risks and provide feedback to clients.

• Team player, excellent customer skills, detail oriented, able to meet time sensitive deadlines.

• Production of an average of 130 to 140 loans per month. WELLS FARGO HOME MORTGAGE Jacksonville, FL 4/12 – 2/14 Senior Underwriter

• Consistently met and exceeded corporate operating standards for underwriting and compliance including maintaining acceptable internal/external auditing quality.

• Regularly exceeded production standards and maintained SLA.

• Examined and validated supporting income, asset and liability documentation to support automated underwriting decisions.

• Held standard Conventional underwriting approval authority for reviewing complex financial scenarios, specifically self-employed customers as well as customers with multiple pieces of real estate owned, ensuring the accuracy and salability of complex loan profiles to the secondary market.

• Reviewed all loan submissions and follow-up conditions provided by borrower to ensure investor guidelines were achieved.

Cynthia Berger

484-***-**** (home)

215-***-**** (cell)

Areas of Practice

Mortgage loan underwriting, credit

review, residential appraisal review,

risk analysis, tax analysis, due

diligence, quality control, auditing

Industry Lines

Professional Services, Financial

Services, Mortgage Operations

Computer Applications

Extensive experience with Microsoft

Office (Excel, Word, Outlook),

Education/Qualifications

• BS, Penn State University, State

College, PA

Cynthia Berger

profile) CONTRACT EMPLOYMENT

• Closed loan auditor: Audited 4-5 closed loans per day. Reviewed conventional, Non-Conforming, FHA, and USDA loans.

• Processor: Gathered appropriate loan documentation and information from borrowers. Conducted credit, income and appraisal reviews.

Taylor, Bean & Whitaker Horsham, PA 7/2008 – 6/2009 Conventional/Government Underwriter

• Underwrote 7-8 conventional and FHA loans for one of the top three wholesale lenders per day.

• Obtained Direct Endorsement.

• Government loans manually underwritten to meet HUD’s requirements for government insuring.

• Reviewed and analyzed property and financial records.

• Received merit increase due to outstanding customer service and underwriting efficiency. PCI Companies Philadelphia, PA 2/2004 – 6/2008 Travel Due Diligence Contract Underwriter

• Performed due diligence/portfolio analysis for company’s customers such as Goldman-Sachs, Countrywide and Morgan Stanley.

• Loan quality from A paper to subprime, conventional to non-conforming.

• Produced 10 completed loans per day.

• Processed credit, income and property loan reviews. Radian Guaranty Philadelphia, PA 1/2001 – 1/2004 Contract Underwriter

• Proficient in FNMA/FHLMC programs and guidelines as well as the application, implementation and analysis of DU/LP.

• Worked locally for two large banks in their wholesale mortgage divisions and in Richmond, VA.

• Worked onsite at Wells Fargo in King of Prussia, PA.

• Obtained lending authority up to 1MM.

• Worked in the Blue Bell, PA Radian Service Center underwriting conforming, non-conforming, subprime and niche products for brokers.

Cynthia Berger

484-***-**** (home) 215-***-****(cell)

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