Professional Experience Loan

Cinnia Sanders **** Billingham Ct, Spring TX, ****9 832-***-**** ******.********@*****.***

Experienced financial professional with a successful career managing risk, performing due diligence audits, leading projects, and handling time-sensitive, complex transactions.

Areas of Expertise

Property (Appraisal), Financial & Cash Flow Analysis (Credit Analyst) Risk Management Banking Products & Services Team Building Self-Employment Income (Personal & Business Bank Statements; Tax Returns, S-Corp, Partnership, Corp, & Schedule C) Remote Underwriting; Underwriting Wholesale, Correspondent and Retail Loans. Dodd Frank & S.A.F.E ACT Compliant Research & Analysis Due Diligence Financial Analysis & Compliance Review with solid working knowledge within CFPB RESPA/Regulation X, TILA/Regulation Z, ECOA/Regulation B and GSE. Investor/Alt-A/ Subprime industry guidelines.

Professional Experience

Remote Underwriting Analyst, AMC 02/2017- Present

• Knowledgeable of the principals and compliance regulations and documentation applicable to mortgage lending

• Interpretation and validation of income, assets and liability documentation to support underwriting decision

• Review appraisal to support value and all other real estate owned

• Familiarity with fraudulent red flags and outside services used to determine or verify fraud

• Ability to read and evaluate payment histories and servicing comments

• Review loan packages, underwriting guidelines, or data files to identify the documentation necessary for the review

SR. UNDERWRITER, MRN CUBED, LLC

Remote Independent Contract Underwriter 12/15-03/2017

Underwriter for Conventional, MI, New Construction, Refinances, Condos/CPM, Purchases, investment properties, Jumbo, & harp products.

Validated DTI, income, assets, and LTV/CLTV to program guidelines.

Entering or verifying information into loan origination system.

Reviewing new loan documentation to ensure accuracy.

Reviewed and cleared collateral and title documentation. Reviewed AUS and corresponding income, assets, and credit components of the loan to fall within program guidelines.

SR. UNDERWRITER Level VI, Sutherland Global/SunTrust, Houston, TX 06/15 – 03/16

Underwriter for Conventional, VA IRRL/Jumbo VA IRRL, MI and Conventional loans. Analyzed investment properties, condos/CPM, refinances, Jumbo, & harp products.

Validated DTI, income, assets, and LTV/CLTV to program guidelines.

Entering or verifying information into loan origination system.

Reviewing new loan documentation to ensure accuracy.

Reviewed and cleared collateral and title documentation. Reviewed AUS and corresponding income, assets, and credit components of the loan to fall within program guidelines.

Manual/AUS $2,500,000.

FRONTLINE SR. UNDERWRITER, Level III Bank of America, Maitland, FL 06/14 – 06/15

Underwriter for conforming refinance and purchase.

Validated DTI, income, assets, and LTV/CLTV to program guidelines.

Reviewed and cleared collateral and title documentation.

Reviewed AUS and corresponding income, assets, and credit components of the loan to fall within program guidelines.

AUS Conforming Loan Limits.

Manual/AUS $1,000,000.

FRONTLINE Remote SR. UNDERWRITER, Guaranteed Rate, Chicago, IL 02/12-02/14

Underwriter for FHA, VA, USDA, MI and conventional loans. Analyzed investment, commercial, purchases, condo, refinances, Jumbo, & harp products.

Validated DTI, income, assets, and LTV/CLTV to program guidelines.

Reviewed and cleared collateral and title documentation. Reviewed AUS and corresponding income, assets, and credit components of the loan to fall within program guidelines.

Recommend loan approvals and denials based on customer loan application reviews.

Manual/AUS $500,000.

QA MORTGAGE UNDERWRITING AUDITOR, MetLife, Oakbrook, IL 06/09 – 01/12

Maintained knowledge level regarding underwriting, process, and regulatory changes as they related to quality auditing functions.

Provided management feedback, objective analysis, evaluation, recommendation, and observation for all reviews performed.

Verified accuracy of mortgage loan files data by review of income, assets, credit, and collateral for FHA, VA, USDA, and conventional loans Wholesale, Retail and Correspondence.

Provided tracking and reporting of quality control findings and Scorecard.

Interacted with Operations Staff for loan file issue resolution.

FRONTLINE SR. UNDERWRITER, HSBC, Elmhurst, IL 05/00 – 05/09

Team Lead of 13 Underwriters with full manager's sign off authority.

AUS, Manual, Agency, Subprime loans.

Reviewed credit reports, assets, property reports, income documents, and appraisals in order to make a lending decision.

Assisted all partners (closing, portfolio, operations) in the closing and booking of loans and assisted in all projects assigned that helped improve and streamline the credit delivery process.

Manual/AUS $500,000.

Education

Bachelor of Business Administration Degree, Major in Business Administration, Minor in Marketing and Management

Canterbury University Hyde, Cheshire

Certifications

Project Management & Six Sigma Green Belt Certifications and ITIL In Progress, MicroTrain Technologies, Lombard, IL

Skills

Underwriting technology to include the following: DU, LP, CPM & Lender specific AUS Guidelines

Proficient in Encompass360, Data Trac, Empower, AllReg, LexisNexis, Microsoft Word, Excel, Power Point & MS Project

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