SUMMARY: Motivated professional with over ** years of Mortgage Underwriting experience. DE certified Underwriter with a history of solid production maintaining an emphasis on customer service satisfaction and operational excellence. Team player seeking to add to the success of a solid organization
08/22/2016 to 01/02/2018….CUNNINGHAM & COMPANY MORTGAGE CORPORATION/ACADEMY MORTGAGE CORPORATION…Charlotte, NC
**Cunningham & Company was acquired by Academy Mortgage on 08.01.2017)
Completed full underwrite of both conventional and FHA mortgage loans to include credit, income, asset and collateral review.
Proficient in Encompass Loan Origination System
Provided self-employed income analysis review for junior underwriters and loan officers
Maintained pipeline of up to 50 loans and was responsible for clearing suspended issues to help maximize pipeline potential for loan officers
Solid history of maintaining 48 hour turn time for both new submissions and loan conditions
Excellent record of producing salable loans with no investor issues
DE certified since 2004
03/29/2016 to 08/19/2016 BANK OF AMERICA Retail Charlotte, NC
Responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and secondary market investor standards. Loan Authority to $650,000 Proficient in use of Excel, Outlook and I-Fulfill Mortgage Operating System. Assist Jr Underwriters with understanding of investor and internal guidelines as necessary. Maintain relationships with Loan Processors and Mortgage Loan Officers in a retail environment in order to proficiently move files from underwriting to closing to ensure maximum customer satisfaction. Primarily underwriting Conventional loan both manually and thru the use of Bank of Americas proprietary automated underwriting system(EDGE). DE Certified since 2004
04/27/2015 to 01/25/2016 LOAN DEPOT Wholesale(LDWholesale) CHARLOTTE, NC
* Review residential mortgage application for Conventional and FHA mortgage loans to be sold in the secondary market. ***DE CERTIFIED SINCE 2004***
* Responsible for ensuring loan meets both investor and LDW guidelines by reviewing capacity of borrower, collateral, credit history and cash available to close
* Proficient in the use of Empower and M4 doc viewing system, word, Microsoft Outlook
* Over 10 years of experience in Underwriting FHA, Conventional, USDA and Bond loans
01/2012 TO 04/15/2015 WELLS FARGO HOME MORTGAGE CHARLOTTE, NC
Consumer Loan Underwriter III
Review residential mortgage applications to determine if loans meet both Wells Fargo and Investor guidelines
Underwrite all aspects of loan file to include credit, assets, income and collateral. Responsible for review of both FHA and Conventional mortgage loans.
Proficient in both LIS and CORE mortgage systems.
Over (7) years of experience in underwriting Conventional and Government mortgage loans including review of FHA appraisals
05/2011 TO 12/2011 Unemployed while seeking UW position
12/2010 TO 04/2011(Layoff-4/15/11-3000 Nationwide) BANK OF AMERICA CHARLOTTE, NC
Responsible for the review and approval of FHA and Conventional mortgage loans within a retail mortgage environment.
Reviewed loans received from various branch offices to ensure that all loans met appropriate guidelines for both Bank of America as well as for HUD and other investor specific guidelines as applicable.
Verified the accuracy of all data and documentation received to ensure that all loans met standards for employment, income, credit and collateral.
Reviewed appraisals to ensure all properties were habitable and marketable.
Assisted Loan Officers with various scenarios and helped train mortgage processors where necessary.
07/2009 TO 10/2010(left just before Company closed) HOME SAVINGS OF AMERICA CHARLOTTE, NC
Senior Underwriter WHOLESALE
Responsible for the review and approval of FHA and Conventional mortgage loans in a wholesale mortgage environment.
Reviewed all loans to ensure credit and collateral were acceptable and to ensure all loans were sellable in the Secondary mortgage market.
Cleared all conditions and took ownership of all loan files underwritten from initial approval through loan closing.
One of two underwriters at the Charlotte Center selected to begin reviewing USDA Rural Development loans.
Worked closely with closing and insurance departments to clear suspense and HUD insuring issues.
Recognized in August and September of 2010 for maintaining an investor first time purchase rate at or above 90%.
02/2009 TO 06/2009 BAC HOME LOANS CHARLOTTE, NC
Responsible for the review and approval of FHA loans within a retail mortgage environment.
Worked under limited supervision to ensure all loans reviewed met both BAC and HUD guidelines regarding all facets of loan including credit and collateral.
Worked with Loan Counselors to maximize the retention of SAC business by reviewing loan scenarios and suggesting alternate loan programs as appropriate.
Maintained appropriate turn times and assisted fellow co-workers with limited FHA Experience to ensure all loans met appropriate guidelines
03/2008 TO 10/2008(Company Closed) EQUITY SERVICES, LLC HUNTERSVILLE, NC
Responsible for underwriting both FHA and Conventional mortgage loans in a wholesale mortgage environment.
Reviewed credit as well as collateral to ensure all borrowers met both internal as well as particular investor requirements and overlays.
Reviewed appraisals to ensure all collateral was sufficient and met both FHA and Fannie Mae guidelines.
Received USDA training and was one of two underwriters to begin underwriting USDA Rural Development loans. Satisfied all post- closing issues on any loans underwritten and worked with FHA to resolve insuring issues as it related to loan specific problems.
11/2005 TO 01/2008 PULTE MORTGAGE, LLC CHARLOTTE, NC
Underwriter (Company closed South East Service Center)
Responsible for the review and approval of loan files for loans received from Pulte Homes.
Responsible for ensuring borrowers meet al l credit criteria and
For ensuring loans meet all external investor guidelines enabling loans to be sold in the secondary Market.
Communicate with Loan Counselors to assist in finding alternate loan program solutions allowing for maximum retention of Pulte business
08/2001 TO 09/2005 DOVER MORTGAGE COMPANY CHARLOTTE, NC
Responsible for reviewing loan submission packages to ensure that files meet lending requirements necessary to sell on the secondary market to multiple investors.
Review files to ensure loan complies with federal regulatory guidelines and to verify that borrower meets all credit criteria.
Responsible for reviewing appraisals to ensure that the property is both marketable and habitable.
2004 Received DE Certification from HUD
Loan Originator 07/2003
Received loan officer's license in July, 2003
Post-Closing Analyst 08/2001
Responsible for reviewing FHA, Conventional, Home equity and Bond loans originated by Dover Mortgage and analyzing files to ensure all investment guidelines will be met.
Communicate and work with closing attorneys to correct post-closing problems and with secondary marketing departments to handle non fund issues with loans.
Responsible for delivering files to investors once loans are sold and for ensuring loans are funded in an appropriate timeframe
02/2000 TO 07/2001 REVERE BUILDING PRODUCTS CHARLOTTE, NC
Responsible for overall handling of daily operations and overseeing all administrative functions of building supply products company.
Ordering material for warehouse, reviewing weekly replenishment reports, preparing monthly reports for management review, accounts receivable, collections, and other related functions.
Warehouse Supervisor 12/2000).
Responsible for the daily warehouse operations of large building supply products company
Overseeing shipping and receiving of all inventory, performing weekly inventory cycle counts, producing audit reports for management review, and ensuring guidelines are met by preparing monthly safety reports as well as plant surveys.
Responsible for a variety of customer service functions including ordering, accounts payable and other services .
08/1998 TO 02/2000 BARRETT,BURKE,WILSON,CASTLE, DAFFIN & FRAPIER, LLP CHARLOTTE, NC
Responsible for maintaining a portfolio of approximately700 Fannie Mae and Freddie Mac home mortgage loans under active bankruptcy status.
Worked independently to ensure both investor and internal guidelines are met by referring delinquent accounts to appropriate counsel for legal action.
Reviewed individual bankruptcy plans to verify that Norwest claims are accurate and paid out accordingly .
Received the "Customer Centric Awards" (5/99 and 6/99) and Barrett Burke " Best Start Winner Award" (5/99) for distinction in internal customer service to other employees.
Capstone Institute of Mortgage Finance
Advanced Sales and MarketingTechniques for Loan Originators (16 hrs) - Marietta, GA
University of North Carolina at Charlotte-Charlotte, NC
Bachelor of Arts Degree in Political Science with a minor in Psychology
DE CERTIFIED SINCE 2004