Eva Zion

**** * **** **

Laveen, AZ *****

cell#480-***-****

ac4knq@r.postjobfree.com

Objective

To secure a long term position with a company where my expertise in underwriting is utilized to the fullest. Looking to establish DE certification and assist with their bottom line goals. Also, my financial goal is to secure a base income of $80k annual salary or as close to that as possible, along with a bonus plan and work overtime as needed.

Strengths

My work ethic is structured and organized. Currently, my average work week is between 40-50 hours as I work overtime when business needs increase. I have worked in many high paced environments and working overtime is not an issue. The positions I have attained throughout the years have required underwriting, multi-tasking, data entry, processing loans, selling products, customer service and managerial skills. I am knowledgeable of current underwriting guidelines as currently I am a Purchase and Refinance Conventional Underwriter. My customer service skills are impeccable. I am a quick learning, adaptable individual motivated by goals, challenges and of course money. I am knowledgeable of banking and mortgage policy and procedures which I have spent over twenty years in the banking industry. Education

San Bernardino High School

ITT Technical Institute (not a graduate)

Rio Salado Community College

Relevant Experience

Sutherland Global Oct2016-Current

REMOTE Purchase/Refinance Underwriter Wholesale(Contract with Flagstar Bank) Front line underwriter for purchase loans and refinance loans for FANNIE & FREDDIE files. I work until all files for the day are completed to meet SLA guidelines. I complete 2-4 new underwrites per day.

• I complete new underwrites and approve mortgage loan applications based on income, assets, property and/or credit guidelines

• Follow FANNIE/FHLMC guidelines for purchase & refinance loans

• Complete daily queue to meet SLA guidelines

• Work with brokers, loan officers, processor's to provide correct documents to get files to final. Quicken Loans - Purchase Underwriter Jan2013-Jan 2017 Final Signoff Underwriter(Refinance), Initial Underwriter (Refinance)-prior position

• Analyze and approve mortgage loan applications based on income, assets, property and/or credit guidelines

• Follow FANNIE/FHLMC guidelines for purchase & refinance loans for LP, DURP, HOME POSSIBLE and other Agency loans

• Collaborate with underwriting leaders on difficult loan decisions

• Submit mortgage applications and client information through AUS

• Final Signoff UW-approve or decline mortgage loans based on findings

• Manage hotlist and underwrite new loans daily

• Exceed daily and monthly goals and audit standards Chase - Lockbox Dept (Data Encoder) Feb 2012 to Jan2013 - I process accounts to ensure that they receive their credits by end of business day. This process entails encoding checks throughout the day and running machines to scan proper documents. Chase Works -(Subordinations Processor) January 2011-August 2011-Laid off Bank of America Proof Operator (part time) February 2007 - January 2011 I encode deposits coming from banking centers and corporate across Arizona at 2800 fields, the minimum is 1600 fields. Eva Zion’s Daycare Self Employed (county certified) August 2006 - October 2007(just moved to AZ) Verizon (CSSC - Consumer Sales) May 2006 - August 2006 (CA) Inbound call center position which required selling products such as phone, internet & Directv to every customer that called in. Mocco Clardy Trucking May 2005 - May 2006(CA)

I was able to accomplish the start of my husbands trucking business in a years time. Managed and established business credit and an LLC & business was profitable. However, in 2006 I had to move out of state at a moments notice so business was dissolved. Beneficial Finance (Senior Account Executive-loan officer) June 2003 - May 2005 (CA) I generated business by phone and walk ins. I processed loans from start to finish. I collected needed documents and dealt with underwriting. I did loan signings with customers and at signing offered Home & Auto benefits and insurance products. I MET and EXCEEDED my goals. Also, I am bi-lingual

& generated loans for Spanish cliental.

Bank of America (Teller, Senior Teller, Personal Banker II & III) October 1994 - June 2003 (CA) As a teller, I assisted customers with deposits, withdraws cashing checks, merchant deposits and processed ATM machines and offered products while doing so. Once promoted to personal banker I sold products in the in-store branches and aisle sold. Once a personal banker, I opened newaccounts for customers and was required to cross sell products. I participated in in-house promotions also. As a bank officer, I supervised tellers, had signing authority, and assisted manager with bank procedures of opening and closing office. I was very knowledgeable of policy and procedures. Skills

California Real Estate License 2003(expired)

Notary 2011-current