Microsoft Office Loan

**/**** ** *******

Northridge, CA

SHAWN RABADY

Summary

Excellent experience in mortgage industry having more than 14 years of underwriting experience in both areas conventional and government underwriting designation and complete understanding of investors guidelines and real estate lending programs.

Highlights

Ability to prioritize and organize functions on daily basis.

Strong interpersonal and communication skills.

Familiar with fraud detection techniques, lending

guidelines, mortgage industry, and loan

renegotiating experience analyzing, reviewing, and underwriting complex or large individual consumer

requests.

time and project management

capable problem solver

Knowing Office Package: MC Word, MC Excel, MC

Access, MC PowerPoint and MC Outlook Express.

Knowing Operating Systems: MS Windows

98,Word,Excel,Access,Power Point, Dos, Edge,

Dynamic Docs, Clues, DU, LP, Louts Note, Iportal, Urban, Home Retention, Home saver, AS400, Loss

Mitigation Financial, Team Site and ProNet .

excellent ability to adapt to difficult situations detail oriented

Accomplishments

Awarded underwriter for 3 months in a row as well as awarded underwriter for 2 years 2012 / 2013. Attend and complete FHA Boot Camp with success 95% having (Chums #) resulted in increased the sales for FHA loans within 25%.

Ability to complete 3 or 4 underwriting loans in a daily basis to meet underwriting team goals.

Experience

Mortgage Underwriter

Zuleta Home Loans

Review and analysis mortgage loan applications, credit worthiness, assets documents, appraisal report, title report, escrow instructions, purchase sales contract, income documentations including individual tax returns and corporation tax returns ensuring compliance with appropriate company and secondary market investor standard guidelines.

Run and examine "DU", "LP", reports, input to ensure accuracy and completeness and review loan-to value ratios. Manually underwriting loans.

Recommend modifications to underwriting and production procedures. examines loan documentation for accuracy and completeness. Working independently, prioritize and manage multiple projects to meet deadlines efficiently. have authority to approve, withdraw and decline loans.

be able to manually underwrite a loan on both front end and back end.

18321 Blythe ST, Reseda, CA 91335 H: 818-***-**** C: 818-***-**** **************@*****.***

08/2012 to 10/2013

Sherman Oaks, CA

10/2008 to 08/2012

Woodland Hills, CA

Senior Underwriter

Prospect Mortgage LLC

Manual underwriting large difficult-complex residential loans ( Conventional and FHA ) ensuring compliance with appropriate company and secondary market investor standards and HUD requirement, as well as determining quality control trends and issues.

Examine overall loan documentation, "DU", "LP", input to ensure accuracy and completeness, review loan-to value ratio, income documents, credit report, title report, purchase contract and appraisal report to ensure that each loan meet the secondary market guidelines, as well as company underwriting policies. Examines loan documentation for accuracy and completeness. Works with underwriter loan originator or production staff to secure all required documents. Have authority to approve, withdraw and decline loans, interpret investor guidelines and utilize system expertise to maintain QC passing rate of greater than 95%.

Develop and recommend modifications to underwriting and production procedures. Provide training and direction to more junior staff. Validated and performed underwriting on ALT-A conforming and non conforming loans such as "HARP", " DU Refi Plus" ensuring conditions meet company and or government standards to make the loan insurable, salable,serviceable, and ensuring the absence of fraud. Working independently, prioritize and manage multiple projects to meet deadlines efficiently. Responsible for setting and cleaning loan conditions on files according to investor guidelines and within established process and procedures.

Senior Underwriter

Bank of America

Responsible for underwriting mortgage loans while ensuring compliance with company and secondary market standards.

demonstrated excellent follow - through with borrowers, loan processors as well as loan originators and management throughout all phases of the underwriting process. Balanced the need for loan - volume growth with the equally important necessity of optimum underwriting quality to maximizing risk while maximizing profitability. Experienced with LexisNexis and fraud guard or other automated quality control systems, ability to communicate with brokers, loan offices, account executives and other staff members, clients and underwriters to obtain further information and or explain company underwriting policies. Have authority to approve, withdraw and decline loans, interpret investor guidelines and utilize system expertise to maintain QC passing rate of greater than 95%.

Develop and recommend modification to underwriting and production procedures Examine overall loan documentation, "DU", "LP", input to ensure accuracy and completeness, review loan-to value ratio, income documents, credit report, title report, purchase contract and appraisal report to ensure that each loan meet the secondary market guidelines, as well as company underwriting policies.

be able to manually underwrite a loan on both front end and back end.

01/1999 to 10/2008

Woodland Hills, CA

2000

Encino, CA, Los Angeles

Underwriter

Countrywide Bank

Underwriting loans documentation, review clues report, input to ensure accuracy and completeness, review and calculate loan-to value ratio, credit report, loan application, and collateral documentations to ensure that each loan meets the secondary marketing guidelines, as well as company underwriting policies. Provided meticulous attention to detail in underwriting mortgages, evaluated the financial strength of borrowers to determine risk and repayment capacity, underwrite conventional loans up to the maximum conforming loan status. Work loan scenarios with senior underwriters and loan operations managers. Order review appraisal report from land safe appraiser when necessary, maintain thorough knowledge of tax returns, w-2's and pay stubs analysis for self employed borrowers including corporation tax returns, analysis preliminary report, update into edge.

Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process. Underwriting loans and determining qualify control trends. Ensure the loans in my pipeline are being underwritten with attention to detail, accuracy, and within compliance of current agency, investor, corporate, and RESPA policies. Education

Certified To Computer Science: Technical Training: Certified Microsoft Office American computer institute

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