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Full Time Mortgage

Location:
Seattle, Washington, United States
Posted:
February 06, 2018

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Resume:

RAYMOND BRAMZEL - Telephone 206-***-****

Email: ac4c3z@r.postjobfree.com

OVERVIEW OF EXPERIENCE:

Over 20 years in SFR mortgages; Retail, Wholesale and Correspondent

Over 15 years underwriting residential SFR mortgages (including FHA, 203k), conforming GSE conventional, non-conforming, state bond, jumbo and RD USDA

DE FHA loans with a CHUMS ID AU44 since 2002

Certified Mortgage Underwriter (CAMU) – National Association of Mortgage Underwriters -NAMU®

Received a service award; Support Person of Month as a team lead underwriter

Loan reviews; Quality Control Underwriter, In-Line Quality Assurance Auditor and Mortgage Analyst

Due Diligence, forensic, compliance, auditing CRT and Bulk Purchase underwriting

Instructor trainer; teaching FHA Underwriting and Processing nationally, Scenario Desk SME

Level 4 signing authority $1,000,000 + underwriting up to $2,000,000

Internet based & DOS mortgage software user; Underwriting remote & from paperless imaged files

NMLS ID 505792 Individual

EMPLOYMENT HISTORY:

Responsible for taking 4 companies successfully through FHA Full Eagle Lending Authority underwriting their FHA Test Cases and training operations staff

Mortgage Advisory Group in 2008, TMBG 2010, OnyGlo 2011 and Americash 2012

BANK OF ENGLAND MORTGAGE

Remote Senior Corporate DE Underwriter (Permanent Full Time) – Conventional, FHA and Others July 2017 to date

In-house mortgage lending; SFR products in multiple States in different timezones. Agency Direct and individual investors

Manual and AUS underwriting processes including Refers with exceptions using compensating factors

Credit/income/asset/property/disclosures analysis, producing loan dispositions, validation of all documentation

Clearing conditions prior to producing documentation and funding

APPROVED FUNDING (Temporary) & STERLING BANK & TRUST (Permanent full time Start up) March 2017 to June 2017

DE FHA, Conforming and Super Jumbo Portfolio Manual Underwrite up to $2,000,000 Underwriter

Remote from home and offices in Western Washington; remote to East Coast, Northern and Southern California branches

NATIONS LENDING CORPORATION & ANNIE MAC February 2016 to March 2017

Remote Corporate Underwriter (Permanent Full Time) – Conventional, FHA plus Scenario Help Desk

In-house mortgage lending; FHA, FNMA, FHMLC, conforming and other SFR products in 48 States

Manual and AUS underwriting processes including Refers with exceptions using compensating factors

Credit/income/asset/property/disclosures analysis, producing loan dispositions, validation of all documentation

Clearing conditions prior to producing documentation and funding

DE UNDERWRITER, QA/QC, FORENSIC AND DUE DILIGENCE RISK REVIEWS April 2011 to September 2016

Permanent full time positions and temporary contract short term assignment projects in between – Remote Underwriter

Performed Underwriting of Front Line Mortgages, QC/QA, Forensic Analysis, FHA, GSE and Non-Conforming

Directly with BCF Wholesale, QMS, TRELIANT RISK ADVISORS with The US Department of Justice Attorneys – ALLONHILL,

DIEHL & ASSOCIATES, WSECU and Salal Credit Unions

BANK OF AMERICA November, 2010 to April 2011

DE Underwriter FHA to Level 2 and Conforming SASE Level 3 - $750,000 signing authority High Balances

AUS and manual underwriting for FHA, conventional FNMA, conforming including high balance mortgages

Complete review of file including appraisals; signing off conditions prior to documentation and funding

Processing loans prior to and after underwriting them to pre-closing stage

Commencement of VA underwriting program but lender ceased due to closure

GOLF SAVINGS BANK May 2009 to April 2010

Senior Underwriter and Team Lead– FHA, 203k, conventional including high balance mortgages – Retail

Support Person of the Month, July 2009 service award as an underwriter

Automated and manual underwriting FHA government residential mortgages using HUD 4155.1 guidelines

DU & LP underwriting for FHA, 203k, Conventional FNMA and FHMLC including high balance mortgages

Providing support for 5 underwriters including those doing USDA and State Bond Programs

Making decisions that include applying discretion using compensating factors

Complete review of file including appraisals; signing off conditions prior to documentation and funding

Underwriting paperless from imaged documents using two screens using customized hi-tech mortgage software

Commencement of VA underwriting program

Produced monthly approvals of up to $20 million/100 units for 35 retail branches with a 48 hour turn time.

INDEPENDENT CONTRACT UNDERWRITER: October 2008 to May 2009

Performed Underwriting of Front Line Mortgages FHA 203B, 203K & GSE and Non-Conforming, Forensic Analysis, QA and Due Diligence Risk Reviews, For various lenders such as SALAL CU & TMBG Inc,

WELLS FARGO HOME MORTGAGE – May 2008 to September 2008

Senior Underwriter Level 3 – Government FHA, Conforming & Non-Conforming

Underwriting a variety of mortgage products at different levels that are submitted from branches

Manual and AUS underwriting processes including refers with exceptions using compensating factors

Complete loan application analysis, producing loan dispositions, validation of all documentation, clearing conditions prior to producing documentation and funding

Commencement of VA underwriting program but lender ceased due to closure

EDUCATION:

Mortgage University of NAMP®/NAMU®

University of Phoenix - Bachelor of Science in Business Global Business Management – Credit courses

Real Estate Property Appraising, Auctioneering & Management – Licensed certification – Bachelor equivalent

Associates Degree - Sciences

CERTIFICATES AND AWARDS:

Certified Ambassador Mortgage Underwriter with National Association of Mortgage Underwriters NAMU®

Certified FHA Credit Examiner - Mortgage University of NAMU®

Direct Endorsement for underwriting government FHA loans with a CHUMS ID AU44 since 2002

Certified in Due Diligence in Underwriting & Processing - Mortgage University of NAMU®

NMLS ID 505792 MLO WA State Individual – Current CE completed

Support Person of Month - July 2009 at Golf Savings

Freedom (Keys to) of The City of London by nomination for community service



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