Felipe Perez

*** ********* *****, **. *****, Florida 32259 904-***-**** ac1v40@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Over eight years in the mortgage industry analyzing income, assets, collateral and overall risk of

conventional loan products, while effectively reporting results to the appropriate parties.

PROFESSIONAL EXPERIENCE

Quality Analyst Underwriter (QA) US Bank/Digital Risk, Jacksonville, FL 2016- Current

Review and provide Quality Assurance feedback on loan file reviews completed by internal staff

Follow quality assurance policies and procedures to ensure compliance with scopes of work

Able to fulfill the role of subject matter expert for the team and scope assigned

Assist with required and/or identified training needs as it relates to quality assurance

Review employee documentation and re-calculate income documentation for completeness and

accuracy per guideline requirements

Identify all red flags within a loan file and ensure they are addressed accordingly

Loan Review Analyst (LRA) Forensic Underwriting, Digital Risk, Jacksonville, FL 2015-2016

Analyzed and provided quality control feedback on loans completed by assigned associates

Reviewed employment documentation and re-calculated income documentation for completeness and accuracy per guideline requirements

Recalculated asset documentation per guideline requirements

Studied and reviewed title commitments and policies

Analyzed borrowers’ mortgage applications, credit reports and related documents

Reviewed and analyzed real estate purchase contracts

Analyzed individual loan files and determined compliance with applicable lender guidelines

Retail Mortgage Underwriter, JP Morgan Chase, Jacksonville, FL 2012-2015

Reviewed conventional full documentation purchases, streamlined documentation and HASP loans

for decision following Freddie Mac and Fannie Mae guidelines

Cleared conditions for final approval and sent files to closing

Assisted the department in reaching funding goals by working files for other team members

Exceeded production and quality goals each month

Passed all test cases for credit authority without any critical findings

Maintained targets for productivity, quality and customer satisfaction

Homeowner Solutions Group Advocate (FHA- Default) Underwriter, Jacksonville, FL 2008-2012

Negotiated FHA home retention options with the mortgagor, investor, insurer, client, attorney and

agents in attempts to avoid foreclosure while decreasing losses

Made analytic assessments of each mortgagor’s financial standing and discussed available options

with mortgagors in a professional manner

Performed title search; capable of reading ALTA, ALTA endorsements, MPG+ Property Reports

Monitored and followed up on planned payments, such as HAMP payments and Special Forbearance

Approval and submission of attorney invoice through LPS for payment and fees and cost

Credit Underwriter, Citi Bank, Jacksonville, FL 2004-2008

Analyzed credit criteria for customers to determine eligibility for credit line increases

Credit bureau analyst, with a judgmental lending authority of $50k

Maintained the highest level of customer service with an overall score measured by surveyed results

Implemented critical policies, products, pricing and lending guidelines and technological

resources

Coached associates in the proper ways of handling judgmental lending

TECHNICAL & ADDITIONAL SKILLS:

Bilingual and expert in Spanish and English, excellent written and verbal communication skills

Constructions and Home Remodeling technical skills

Knowledgeable with TRID 2015 & 2010-2011 HUD Respa guidelines and procedures

Strong problem solving and the ability to coach and assist others

Mortgage Banking Underwriting training

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