Financial Loan
Resume:
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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