Underwriter
Resume:
Michelle K. Plummer
Houston, TX 77070
***************@*****.***
OBJECTIVE: To seek full time employment that will utilizes my knowledge.
SKILLS
Can underwrite Conventional loans
Can effectively utilize any automated underwriting system
Can review appraisals
Can review all aspects of title commitments
Has knowledge of HMDA guidelines
Has strong customer service skills
Has strong attention to detail
Has strong decision making skills
Can review files or quality control
Can effectively train and manage a staff to complete mortgage operations.
EMPLOYMENT
1/13-Present Sr. Underwriter
Freedom Mtg Underwrite conventional loans
Remote Full lending authority
Utilizing Fannie and Freddie guidelines
Jumbo, High Bal and all other conventional products
Review Appraisals
Review Titles
Review Income and Assets
8/12-1/3 Underwriter
Sutherland Mortgage Services Underwrite conventional loans
Houston, TX Full lending authority
Underwrite home affordable products
Review Appraisals
Review Titles
Review Income and Assets
11/10-8/2012 Processor
Chase Mortgage Process Conventional and FHA loans
Communicate with LO, title and operations
Review Appraisals
Review Titles
Review Income and Assets
2/09-12/10 Security
Tyco/Allied Tube
3/07-2/09
Worldwide Mortgage & Finance, Inc. Underwriter/Operations Manager
Evergreen Park, IL Manage the processing staff
Authority to clear conditions
Authority to final approve loans
Underwrite conventional loans
Process government loans
12/05-03/07
Ocwen Financial Underwriter
Downers Grove, IL Direct contact with brokers
Full Lending Authority
Trained India processing staff
Direct contact for India processing staff
Decision 10-14 loans per day
Follow guidelines for underwrites
01/04-11/05 Office Manager/ Senior Loan Processor
Worldwide Mtg & Fn, Inc Processing FHA, Conf, Non-Conf,
Matteson, IL and commercial loans
Structured loans to fit into lender programs
Pre-Underwrite all loans for broker deals
Keep open line of communication with staff and lenders
Handled all pricing
Prepared reports for CEO
Prepared reports for HR
Preformed closings for refinance loans
Reviewed all titles
Reviewed appraisals
1/02- 10/03 Sr. Processor
Universal Financial Group Processed Conf., non-conf
Palos Heights, IL Prepared closing packages
Performed closings
Reviewing files for secondary
Processed FHA loans
Direct contact between borrower and lender
Kept open line of communication with L.O
Prepared reports for upper management
Reviewed titles
Closed 30-50 loans per month
6/00-1/02 Jr. Underwriter
Capital Mortgage Process Conf. and non-conf loans
Chicago, IL Underwriting files through automated system
Clear Conditions
Reviewed titles
Pre-underwrite files per lenders guidelines
Ordered closing docs
3/97-6/00 Office Manager/ Senior Loan Processor
Conquest Mortgage Manage an office of 4
Dolphin Mortgage Process Conf., non-conf., FHA, and VA loans
Park Forest, IL Assistant to owner
Trained new hires
Reviewed all titles
Reviewed all appraisals
Priced all deals
Maintained communication with all lenders
Maintained communication with all L.O.’s
EDUCATION
Sawyer Business College Legal Sec./ Associates Degree 1996
References Available Upon Request
Contact this candidate