Insurance Manager
Resume:
GEORGIA SCHROEDER
MORTGAGE UNDERWRITER
***** ******* ***. ********** *****, CA 92649 ac1y3u@r.postjobfree.com 714-***-****
Highly motivated and dedicated mortgage underwriter with over 20 years of extensive experience in the mortgage banking business. Ability to perform in fast paced environment to maintain accuracy and excellent work quality while achieving objectives, high standards of integrity and ethics. Strong communication skills to build and maintain professional relationship with external clients and internal customers. Complete tasks with minimal to no supervision, also a TEAM player.
EMPLOYMENT
6/15 – 11/11/16
Motive Lending, Santa Ana, CA
Title: Wholesale Underwriter
Responsibilities include:
Underwrote wholesale loans to Freddie Mac/Fannie Mae guidelines. Run LP or DU, agency loans only.
Review credit reports
Review income to include complex tax returns, such as K1, 1120S, 1120, 1065, Sch. C and Sch. E
Review assets to determine sufficient funds for closing and/or reserve requirements
Review title, insurance and appraisals.
Sign off conditions when the file is re-submitted to underwriting.
Work directly with Broker, Account Manager and Account Executive
10/12 – 6/15
US Bank, Los Alamitos, CA
Title: Retail Underwriter
Responsibilities include:
Underwrote conforming, jumbo, portfolio, lot and manufactured housing loans,. Home Possible, American Dream, HASP and Non QM loans.
Run LP for Freddie Mac loans
Review credit.
Review income to include complex tax returns, such as K1, 1120S, 1120, 1065, Sch. C and Sch. E
Review assets to determine if funds are sufficient for closing and/or reserve requirements.
Review title, insurance and appraisals.
Approve, suspended or decline loans according to qualifications.
Sign off conditions when the file is re-submitted to underwriting.
Worked directly with Loan Officer, processing and funding departments.
4/12 – 10/12
New American Funding/PHL, Irvine, CA
Title: Sr. Underwriter
Responsibilities include:
Underwrote Retail/Wholesale loans according to investor specific guidelines.
Run DU for Fannie Mae loans.
Review credit reports.
Analyze tax returns, review paystubs, W-2’s, to calculate income accurately.
Review bank statements to verify assets.
Review title and appraisals.
Approve, decline, suspend or counter offer loans according to qualifications.
9/11 – 4/12
Lenox Financial Mortgage, Santa Ana, CA
Title: Sr. Underwriter
Responsibilities include:
Underwrote Retail/Wholesale loans according to investor specific guidelines
Run DU for Fannie Mae loans
Review credit reports to determine credit worthiness
Analyze tax returns, review paystubs, W-2’s, to calculate income accurately
Review bank statements to verify assets.
Review title and appraisals
Approve, decline, suspend or counter offer loans according to qualifications.
6/09 – 8/11
Wells Fargo Bank, Irvine, CA
Title: Conventional Wholesale Underwriter III
Responsibilities include:
Underwrote Wholesale conventional loans
Review credit reports, analyze tax returns, calculated income and verify assets
Review 4506T results and Loan safe reports for accuracy of documentation provided
Review appraisals, title, purchase contracts (if applicable)
Run loan thru automated underwriting system, LP/DU
Approve, decline, suspend or counter offer loan according to qualifications
Manually underwrite loan if not approved through automated underwriting
7/06 – 11/09
JP Morgan Chase, Orange, CA
Title: Wholesale Underwriter
Responsibilities include:
Underwrote wholesale loans to include agency and non-agency product to Chase credit policy.
Loans submitted through automated underwriting system to include, Zippy, DU and LP.
Underwrote loans manually to fit banks portfolio guidelines.
Review of credit, income, assets, title, appraisal and purchase contract, if necessary.
Issue approval, suspense or denial, review and sign off UTC conditions.
OTHER EXPERIENCES
Knowledge of LP, DU/DO, Genesis, Calyx, Edge, Data Trac, Encompass, and NetO
Able to underwrite paperless files with DocVelocity system.
Work Remotely
Extensive training in compliance and credit policies to determine credit worthiness.
FHA Training
EDUCATION
Allied R/E Training
Cypress College, Cypress, CA
Paramount High School, Paramount, CA
Contact this candidate