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Loan Information

Location:
Atlanta, GA
Salary:
50,000
Posted:
March 29, 2018

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Resume:

Kathleen Hardrick

Mortgage Underwriter

Sandy Springs, GA 30350

ac4y7k@r.postjobfree.com

770-***-****

Authorized to work in the US for any employer

Work Experience

Mortgage Underwriter

Clayton Holdings LLC - Atlanta, GA

May 2012 to Present

CLAYTON HOLDINGS / ATLANTA, GA

Securitization/Due Diligence Mortgage Underwriter May 2012 – Present

• Strong Analytical written and verbal skills

• Analyze credit documents, including, but not limited to mortgage applications, credit history and income documents, title documents, appraisals and compliance documents.

• Re-underwrite performing and non-performing mortgages for various lenders.

• Dispute Allegations on reasons for client not to repurchase a mortgage with evidence to support the rebuttal

• Wrote rebuttal letter outlining the company's case with supporting documentation

• Review loan contract documents to determine accuracy of key information and compliance with funding policies

• Analyzing Business & Corporate Schedules of Taxes.

• Approve/deny mortgage loans following mortgage standards and various lender guidelines.

• Cleared all DU/LP and Manual conditions when needed.

• Conditioned missing or incorrect information of documentation as needed.

• Traveled as needed throughout the United States and Puerto Rico to work for various clients.

• Determine loan funding conditions met in order to clear loan for funding.

• Performed QC reviews on loans to validated accuracy.

• Exceeded daily loan production

• Perform forensic underwriting review of previously closed mortgage loans to determine the validity of a loan demand for repurchase or make whole filed by an investor.

• Underwrote for FNMA Non-performance project.

• Knowledgeable of FNMA and FHLMC guidelines.

• Familiarized with fraud red flags and outside services used to determine or verify fraud.

• Demonstrated thorough knowledge of mortgage industry policies.

• Analyzed W2 income, Self-employed Taxes, and Corporate Taxes.

• Perfected strong knowledge of tax return and balance sheet analysis, including both cash flow and AGI methods.

• Analyze credit documents, including, but not limited to mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.

• Manage the loan pipeline and make recommendations to senior management for repurchase.

• Condition needed missing or incorrect information or documentation and cleared all conditions when correct information or missing documentation received.

• Performed QC reviews on loans to validated accuracy.

• Exceeded daily loan completion quotas.

•when possible.

• Compose a concise, complete written response on each issue detailing my review and providing evidence to support my reasons for rebuttal. Demonstrated a high level of fluency of complex personal and business financial analysis.

• Evaluated loan application, credit history, title report, appraisal, income documentation etc. for completeness and accuracy. Analyzed W2 income, Self-employed Taxes, and Corporate Taxes. Conditioned for missing documentation and cleared all conditions when correct information or missing/ alt documentation received. Verified and ran loan through DU/LP and Manually Underwrote.

• Cleared all DU / LP Manual conditions when needed.

• Determined & documented loan funding conditions met in order to clear loan for funding. Exceeded daily loan production.

Processing Manager /Underwriter

GMH CONSULTANTS, LLC

August 2005 to May 2012

• Conduct a comprehensive review of each claim, collect and audit supporting evidence, research each claim for compliance with Underwriting Guideline (FNMA, FHLMC, Lenders) and Regulations at the time of funding. Determine validity and whether or not the claim materially or adversely affected the value of the loan.

• Utilize Underwriting experience to determine the materiality of valid repurchase claims. Provide a written summary to support the decision to originate the mortgage loan, including compensating factors within the loan file, public information, and/or additional 3rd party documentation when possible.

• Compose a concise, complete written response on each issue detailing my review and providing evidence to support my reasons for rebuttal. Demonstrated a high level of fluency of complex personal and business financial analysis.

• Evaluated loan application, credit history, title report, appraisal, income documentation etc. for completeness and accuracy. Analyzed W2 income, Self-employed Taxes, and Corporate Taxes. Conditioned for missing documentation and cleared all conditions when correct information or missing/ alt documentation received. Verified and ran loan through DU/LP and Manually Underwrote.

• Cleared all DU / LP Manual conditions when needed.

• Determined & documented loan funding conditions met in order to clear loan for funding. Exceeded daily loan production.

Underwriter

CHALLENGE FINANCIAL SERVICES - Clearwater, FL

September 2003 to May 2010

• Approved or denied mortgage loans following mortgage standards and lender guidelines.

• Evaluated loan application, credit history, title report, appraisal, income documentation etc. for completeness and accuracy

• Conditioned for missing documentation and cleared all conditions when correct information or missing/alt documentation received

• Evaluated loan application, credit history, title report, appraisal, income documentation etc. for completeness and accuracy

• Conducted Quality Control audits on random closed loans.

• Reviewed loan contract documents to determine accuracy of key information and compliance with funding policies

Education

BE in Business Management / Communications

DeVry Institute of Technology

1992 to 1995



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