Service Mortgage
Resume:
JONATHAN C. TAMARES
JACKSONVILLE, FLORIDA 32221
Email: ********@***.***
CAREER SUMMARY
My 28 years of work experience began with formal commercial credit training which allowed me to effectively manage a loan portfolio in my banking career by enabling me to see any potential opportunities or problems for my clients. This ability translated into promotions that eventually led to me managing a commercial loan department. The ability to analyze personal and business tax returns allowed me to effectively transition from a banking environment to the residential mortgage industry. The successful attention to detail was rewarded with higher lending authority and training of new underwriters.
EDUCATION
University of North Florida August 1984 - December 1988
Bachelor of Business Administration; Major: Management
RELEVENT WORK EXPERIENCE
LenderLive - Underwriter 3 July 2017 - Present
Approve conforming residential loans through the use of DU or LP and ensure that saleability of loans to FNMA/FHLMC
Update mortgage loan officers on the status of their originated loans and ensure deadlines are met
Manage a loan pipeline of 25-35 loans to stay within service level agreements
Mac Papers – Senior Credit Analyst December 2014 – Present
Effectively underwrite and analyze financial statements of both public and privately held corporations in order to initiate B2B credit reviews for 22 branch locations throughout the Southeast
Timely processing of monthly reports to senior management for each branch location
Resolve credit holds, order trade references, and collect past due accounts
JP Morgan Chase - Senior Underwriter February 2013 – December 2014
Lending authority of conventional loans up to $1,500,000 for correspondent mortgage lenders
Consistently achieved 100% compliance of approved/closed loans
Demonstrated ability to review residential appraisals
Timely communication with correspondent lenders
PHH Mortgage - Level 3 Underwriter October 2011 - Feb 2013
Lending authority of Merrill Lynch conventional loans up to $2,000,000
Consistently achieved 100% compliance of approved/closed loans
Demonstrated ability to review residential appraisals
Trained junior underwriters
American Home Mortgage Service - Loan Consultant/Negotiator II January 2009 - October 2011
Effectively communicated with real estate agents and delinquent home owners to assist in the short sale of their home through the analysis of tax returns, personal financial statements, and credit reports
One of only two negotiators familiar with the Home Affordable Foreclosure Alternative program
Consistently ranked in the top 3 negotiators in the closing of short sales, averaging about 25 closings per month
Handled short sale mortgage monthly portfolio of 180-200 loans
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