Faye Bradley

Remote Underwriter/Paperless Environment

Los Angeles, CA 90008

ac5b7o@r.postjobfree.com

323-***-****

** ***** ** ******** ********** with mortgage FHA/VA/CONV loans and have been commended for my strong attention to details while producing accurate high quality work as a team player. I have thrive in a fast paced even stressful environment and do an excellent job prioritizing work when there are many competing needs you will find that I work well in both a highly structured or more loosely managed environment. Quickly evaluated on my skills and attitude. Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

Sr. Underwriter/Office Manager/Remote

Harvest All Financial Resource Center - Los Angeles, CA December 2017 to Present

Responsible for performing a detailed review of residential mortgage loan applications and documentation as submitted through third party originators to ensure that the loans meet underwriting guidelines as established. VA, Conv and HUD. The detailed review of the submission will include reviewing all documentation including but not limited to credit reports, income documentation, asset documentation, collateral, fraud prevention tools and other applicable documentation as required to render a decision. Responsible for effectively communicating all lending decisions to appropriate parties as defined. third party procedures and process Adverse Action Notices, where applicable. Lead Underwriter Manager/Sr. Underwriter/Remote

Harvest All Financial Resource - Los Angeles, CA

December 2017 to Present

Supervision of staff underwriters and processor .Responsible for performing a detailed review of residential mortgage loan applications and documentation as submitted through third party originators to ensure that the loans meet underwriting guidelines as established by Harvest All Financial Resource, VA, Conv, HUD and Subprime . The detailed review of the submission will include reviewing all documentation including but not limited to credit reports, income documentation, asset documentation, collateral, fraud prevention tools and other applicable documentation as required to render a decision. Responsible for effectively communicating all lending decisions to appropriate parties as defined by Harvest All Financial Resource and third party procedures and process Adverse Action Notices, where applicable.

DE Underwriter

Bankers Xpress - Woodland Hills, CA

July 2015 to July 2017

Responsibilities

Underwrite manually and automated Conv/FHA/VA.

Manage expected service levels related to decisions and condition clearing. Ensure and provide high level of customer service and being flexible. Utilize all systems in place, including automated. Comply with compliance RESPA Laws statewide and federal regulations. Manage expected service levels of Professionalism with investors and wholesale brokers and their processors.

Provide and ensure high level of communication and flexibility. Utilize LQB (Mortgage Software), Microsoft Outlook, Excel and Fannie Mae ( AUS ) and FHLMC ( LP) System, Corelogic, Realquest, and FHA Connection.

Accomplishments

Customer Service and Communication with Wholesale brokers. Team Work and pleasant working environment.

Skills Used

AUS LP, LQB (Software), Microsoft Outlook, Excel FHA Connection, Corelogic, and Real quest. DE Underwriter/VA Lapp

Sovereign Lending Inc - Irvine, CA

July 2014 to April 2015

Responsibilities

Underwrite VA Loans,purchase and refinance.FHA test cases for lender approval. Conventional loans to variesv investor guidelines.

Accomplishments

knowledge of industry and helpful training on VA guidelines Skills Used

Over 20 yrs Experience,sufficient and organized

Remote Underwriter/Paperless Environment

Freedom Mortgage Corp - Irvine, CA

November 2012 to March 2014

Underwrite manually and automated CON/FHA/VA.

• Manage expected service levels related to decisions and condition clearing

• Ensure and provide high level of customer service and being flexible.

• Utilize all systems in place, including automated.

• Comply with compliance RESPA Laws statewide and federal regulations.

• Manage expected service levels of Professionalism wit investors and wholesale brokers and their processors.

• Provide and ensure high level of communication and flexibility.

• Utilize Data Trac, Tiny Term (Century Software) Emcompass, Microsoft Outlook, Excel and AUS, DU and LP Systems.

Remote Underwriter/ Paperless Environment

Citi Mtg. Corp - Las Vegas, NV

September 2008 to May 2012

Underwrite manually and automated CON/FHA/VA., Portfolio loans in a timely manner.

• Manage expected service levels related to decisions and conditions clearing.

• Ensure and provide high level of customer service and being flexible.

• Utilize all systems in place, including automated.

• Comply with compliance RESPA Laws statewide and federal regulations.

• Manage expected service levels of Professionalism wit investors and wholesale brokers and their processors.

• Provide and ensure high level of communication and flexibility.

• Comply with compliance Respa Laws statewide and federal regulations. United International Mtg /Century City, CA -2007 - 2008 DBA United CA Systems, Culver City, CA - 1992- 1997 - Century City, CA 2007 to 2008

Direct Endorse Underwriter and VA Lapp Certified

• In depth knowledge demonstrated conventional, government and portfolio lending guidelines

• Assist in training new hires and performed maintained knowledge of company policies and procedures in addition to private investor's government investors and portfolio credit policy guidelines.

• Review excepting reports and ensure completion of all tasks.

• Contact signatures with the decisions on the loan immediately after underwriting the file

• Update information on processing and underwriting systems to verify accurate and completed decisions.

• Demonstrated leadership skills as a team player by providing superior customer service being flexible and approachable.

Office Mgr /Underwriter/Conventional, Sub Prime, Second Trust Deed The Beverly Group - Torrance, CA

2005 to 2007

Supervised Staff of (25)

• Ensured team is providing a high level of customer service to to internal and external customers.

• Demonstrated leadership skills as a team player.

• Providing superior customer service being flexible and approachable.

• Monitor compliance issues including that all staff member to ensure adherence to standards.

• Contacts loans originators with decisions on all loans after underwritten.

• Train new hires.

• Pricing /locks file to best satisfaction for borrowers. Office Mgr/Underwriter Duties

Spaulding Financial /Wilshire Financial - Los Angeles, CA 2002 to 2005

Supervise office staff

• Underwritten all files before submission, conditions, closing and pricing/locks

*1997 -2002

United Intl Mtg DBA United CA Systems, Culver City, CA Direct Endorse Undewriter, VA Lapp Certified and Conventional

• Underwriting, loan processing, closing, insuring and servicing. Before 1997

American General Mortgage, Glenale, CA

Mortgage Capital, West Los Angeles, CA

Funders Mortgage, Carson, CA

Power Mortgage, Carson, CA

Coldwell Bankers, Los Angeles, CA

Bank of America, Los Angeles, CA

Metmor Financial, Los Angeles, CA

State Savings, DBA American Savings, Torrance, CA

First Los Angeles Bank, Century City, CA

Certifications/Licenses

DE /VA LAPP

Additional Information

25 years of relevant experience with mortgage FHA/VA/CONV loans and have been commended for my strong attention to detail while producing accurate high quality work as a team player. I thrive in a fast paced even stressful environment and for an excellent job prioritizing work when there are many competing needs you will find that I work well in both a highly structured or more loosely managed environment. Quickly evaluated on my skills and attitude. I am proficient with Ms excel, word, and outlook, interested in learning other systems as they pertain to this position and soon talking with you how my experience can support your companies goals.

Contact this candidate