PROFESSIONAL EXPERIENCE

US BANK ST. LOUIS MO (TEMP)

OPENER MAY 2016 TO CURRENT

GAP

I TOOK EARLY RETIREMENT AFTER PRIOR EMPLOYER CLOSED

SAINT LOUIS LOCATION

NATIONSTAR MORTGAGE St. Louis, MO United States

Underwriter 3 Jan 2013 – Feb 2014

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Consult with customers to resolve complaints and verify financial and credit transactions.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Underwrite all HARP loans for Desk top and Loan Prospector approval

Participate in internal assessments and audits as required

WELLS FARGO, St. Louis, MO United States

Consumer Underwriter 3, Aug 2011 – Jan 2013

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Consult with customers to resolve complaints and verify financial and credit transactions.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Participate in internal assessments and audits as required

CITI MORTGAGE, O’Fallon, MO United States

Level 3 Underwriter, May 2010 – Jun 2011

Review credit file for automated and manual for NACA program

Comply with federal, state, and company policies, procedures, and regulations.

Perform general office duties such as filing, answering telephones, and handling routine correspondence.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Consult with customers to resolve complaints and verify financial and credit transactions.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Participate in internal assessments and audits as required

MORTGAGE RESOURCE NET, Dallas, TX United States

Contract Underwriter, Nov 2009 – May 2010

Decline excessive risks.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Consult with customers to resolve and verify financial and credit transactions.

Prepare reports that include the degree of risk involved in extending credit or lending money.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

BANK OF AMERICA, O’Fallon, MO United States

Mortgage Auditor, June 2007 – Nov 2009

Confer with company officials about financial and regulatory matters.

Recommend actions to ensure compliance with laws and regulations.

Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.

Decline excessive risks.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Consult with customers to resolve complaints and verify financial and credit transactions.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Participate in internal assessments and audits as required

STONEHILL GROUP, Atlanta, GA United States

FHA/VA and Conventional Mortgage Auditor, Oct 2004 – Mar 2007

Confer with company officials about financial and regulatory matters.

Recommend actions to ensure compliance with laws and regulations.

Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.

Decline excessive risks.

Review loans for Fraud, Early Payment Default and Compliance for sale on the secondary Market

MORTGAGE RESOURCE NET, Dallas, TX United States

Contract Underwriter, June 2002 – Oct 2004

Decline excessive risks.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Consult with customers to resolve and verify financial and credit transactions.

Prepare reports that include the degree of risk involved in extending credit or lending money.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Prepare reports of findings and recommendations, using typewriters or computers.

ADDITIONAL SKILLS

- HARP AND CONVENTIONAL LOAN PROGRAMS - FHA AND VA ORIGINATION AND STREAMLINED UNDERWRITING- LOAN PROSPECTOR, DESKTOP UNDERWRITER- MANAGEMENT, TRAINING FOR LP/DU ORIGINATIONS AND SYSTEMS- EXCEL, ACCESS, WORD AND ALL OFFICE EQUIPMENT

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