Candice M. Lowe

**** ******* ***** *****

904-***-****(Home) 904-***-****(Mobile)

ac1w67@r.postjobfree.com

Education: Associates – Interior Design, Chapman University, Orange, CA

Business Administration, Thomas College, Waterville, ME

High School Diploma, Mt Merici Academy, Waterville, ME

Experience: Underwriter 3 – Citibank Mortgage, Jacksonville FL – 5/2012 to present

Evaluate mortgage and other loan applications to determine acceptability and compliance with applicable state and federal regulations, investor guidelines, and corporate standards. Work with originators, processors/closers as well as management to assist them in qualifying loans and keep them informed of underwriting practice. Expert knowledge of Corporate, investor and regulatory guidelines. Experienced in Harp, Conventional agency DU, Jumbo and

Non-agency loans. Extensive knowledge of title. Current signing authority of $750,000. Monthly production from 35 to 50 underwrites per month.

Underwriter 1 – PNC Mortgage, Jacksonville, FL – 1/2012 to 5/2012

Evaluate mortgage and other loan applications to determine acceptability and compliance with applicable state and federal regulations, investor guidelines, and corporate standards. Work with originators, processors/closers, and customer service personal to assist them in qualifying loans and keep them informed of underwriting practice: maintains expert knowledge of Corporate, investor and regulatory guidelines. Experienced in Harp and Conventional DU loans.

Conventional Underwriter 1 – Wells Fargo, Jacksonville, FL – 11/2011 to 1/2012

Evaluate extensive credit, income, asset, collateral, and title analysis of nationwide conventional loans meeting both Fannie Mae/Freddie Mac underwriting guidelines requirement of company’s established quality control standards and production goals on a daily basis. Review and sign off of conditions to meet required company and industry guidelines. Maintain excellent communication skills with customers, partners and processors. Implement fraud detection techniques and perform compliance reviews.

Forensic Underwriter – Digital Risk, Jacksonville, FL – 10/2011 to 11/2011

Review and decision credit, income and asset documentation for closed loans, including qualifications of wage earner and self-employed borrowers per client and investor guidelines. Meet established production and quality goals. Meet established turnaround times required for reviewing individual documents and initiating tasks. Identify and work through alternatives for loans outside of guidelines by demonstrating the ability to adhere to the underwriting guidelines to ensure proper salability of loans to investors. Act as a subject matter expert and perform second level review as required.

Senior Underwriter – Corelogic, Inc, Jacksonville, FL – 7/2010 to 9/2011

Responsibilities include review and decision credit, income/asset documentation for non-approved loans, including qualifications of wage earner and self-employed borrowers per client and investor guidelines. Meet established production, quality goals, turnaround times required for reviewing individual documents and initiating tasks. Identify and work through alternatives for loans that fall outside of guidelines by demonstrating the ability to adhere to the underwriting guidelines to ensure proper salability of loans to investors. Act as a subject matter expert and perform second level review as required.

Underwriter, Embrace Home Loans, Jacksonville, FL – 12/2010 to 3/2011

Review extensive credit, appraisal, and title analysis of nationwide conventional loans meeting both Fannie Mae and Freddie Mac underwriting guidelines. Requirement of company’s established quality control standards and production goals on a daily basis. Sign off of conditions to meet required Fannie Mae and Freddy Mac guidelines. Require excellent communication skills with sales staff and loan officers and processors. Level 2 signing authority

Senior Closer/Funder, WAMU/Chase, Jacksonville, FL -5/2007 to 12/2010

Responsibilities included but not limited to complete review of loan file for accurate drawing of closing documents. Reviewed and approved HUD-1 for errors, accuracy and compliance. Maintain close communication with processors, loan officers and closing agents to ensure proper and timely fulfillment. Verify underwriting/funding conditions are signed off on approval. Accountable for federal compliance laws for states and regulators for FHA, VA and conventional loans. Responsible for wire transfers, manual wires and returned wire on loans that did not close. Met productivity and turnaround times set by Operations. Provided hands on training to new closer/funders. Maintain constant quality rating of 99% on audits of FHA, VA and conventional loans.

Underwriter/ Senior Credit Analyst, WMC, Jacksonville, FL – 5/2004 to 5/2007

Responsibilities included manual counter offers for all AU referred loans per guidelines on an average of 40 – 60 loans per day. Verification of Facta Alerts on credit reports with customers. Met established productivity levels and turnaround times set by Operations. Performed initial underwrites, verified and cleared outstanding conditions needed prior to closing.

Sign off authority $1M

REFERENCES SUPPLIED UPON REQUEST