Real Estate Microsoft Office
Resume:
DAT NGUYEN
**********@*****.***
Summary of Qualifications
Analytical results-driven Mortgage Underwriter with 12 years of experience. Strengths include in-depth experience in both retail and wholesale lending with respect to Conventional loans.
Experience includes Ultra High Net Worth clients for Super Jumbo and Jumbo loans, FHLMC Loan Prospector, FNMA Desktop Underwriter for 1-4 residential properties. My greatest strengths include consistency in quality performance, strong analytical skills, and excellent communication skills. I'm a trainer able to teach complex underwriting analysis to others, a critical thinker able to find solutions and resolve problems, negotiating fair and competitive loans. I work well under pressure and deadlines; I am a Team player who enjoys working with others.
Technical Skills & Abilities
Extensive proficiency in software and applications.
Microsoft Office 2017
Desktop Underwriter
Loan Prospector
Fidelity Lending Portal
Applications
Excel 2017: PivotTable, Vlookup, Sumproduct
Talent for critical thinking, decision making and problem solving for complex processes.
Skilled Reviewer using Inductive & Deductive Reasoning, Analytic & Forensic Logic
Exceptional listener and communicator both written and verbal.
Strong knowledge in analyzing complex corporate tax returns
Exceptional Trainer and Mentor
Work Experience
SchoolsFirst Federal Credit Union, Tustin CA September 2012 – September 2017
Senior Real Estate Loan Underwriter
Underwrite real estate loan requests in a manner that is compliant with internal Lending Policies, SOP’s, including matrices and Investor guidelines.
Provide upfront credit approval and final approval on all loans within individual lending authority limits Coordination with tax firms and attorneys for filing of tax returns.
Analyzed complex financial statements involving multiple income sources and entities of obligors, calculated income/cash flow from Personal, Partnership, and Corporate tax returns, including K-1s and Trust income.
Have a thorough knowledge in personal and business financial analysis and in tax return and balance sheet analysis.
Review Income Statement and Balance Sheet.
Investigated and Determined financial responsibility of obligors including personal debt, margined accounts and or business and personal lines of credit collateralized via brokerage or other assets.
Training Loan Processors to become Junior Underwriters/Loan Fullfillment Specialists.
JPMorgan Chase, Irvine CA June 2011 – September 2012
Conventional Real Estate Loan Underwriter & Loss Mitigation Underwriter
Reviewed and analyzed collateral documents, including appraisals, environmental reports and historical landmark information, adjusted for maximum lendable value based on special circumstances including large acreage and/or historical registry.
Analyzed complex financial statements involving multiple income sources and entities of obligors, calculated income/cash flow from Personal, Partnership, and Corporate tax returns, including K-1s and Trust income.
Review Income Statement and Balance Sheet.
Independently identify potential risks and mitigating factors that could impact the customer’s ability to repay the loan, and ensure that the transaction adheres to mortgage lending regulations and appropriate credit policies.
Adherence to strict timelines and regulatory guidelines, including compliance with Regulation B, Regulation Z, and all Dodd-Frank related updates.
Kondaur Capital Corporation, Orange CA November 2009 – June 2011
Acquisition Analyst
Managing a pipeline of residential assets.
Held authority to approve all crucial documents including preliminary title reports, income verification, assets, lease agreements, purchase contracts, appraisal reports, escrow instructions and final HUD’s loan approval/closing/funding Automation of manual reporting templates for fund reporting.
Maximizing total return for each assigned asset while maintaining borrower’s best interest in mind.
Negotiating with Borrower about Deed in Lieu, Refinance, and limited Short Sale.
Negotiating sales with prospective buyers and conclude sales transaction.
Option One Mortgage, Irvine CA September 2003 – January 2009
Senior Real Estate Loan Underwriter
Underwrote residential mortgage loans, consisting of refinances and 2nd mortgage trust deeds.
Held authority to approve all crucial documents including preliminary title reports, income verification, assets, lease agreements, purchase contracts, appraisal reports, escrow instructions and final HUD’s loan approval/closing/funding.
Participate on the new GEM operating model. This includes high level authority and use of broad judgment when determining underwriting decisions.
Lending Authority at 1.5 million.
Education California State University of Fullerton, Fullerton CA May 2003
Bachelor of Art in Business Administration,
Concentration in Finance, GPA = 3.45
Languages Fluent in German and Vietnamese
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