WARDIE C. CLARKE III

***** ***** **.

Victorville, CA 92392

Cell 818-***-****

ac5bn9@r.postjobfree.com

OBJECTIVE: To contribute acquired skills towards an underwriting, or management, position, and to secure a challenging position with a progressive organization.

QUALIFICATIONS: My accounting background would make me a valuable asset to any organization. This accompanied by my extensive and diverse underwriting/sales experience in the real estate field allows me to bring substantial knowledge to any position.

EDUCATION:

1982-1984 Accounting, L.A. Valley College

1984-1985 H.R. Block Tax School

1998-1999 Premier Real Estate School

UNDERWRITING EXPERIENCE:

* Current FHA Direct Endorsement (DE) Certification with CHUMS#.

* Always adhered to internal and regulatory guidelines when underwriting loans.

* Performed quality control functions on loan files.

* Communicated with sales and other third parties throughout the loan process.

* Exercised courteous, efficient, effective, and timely service to customers to ensure good business

practices.

* Current on all TRID/FNMA/FHLMC/FHA/RESPA regulation changes and underwriting provisions as well as company policies and procedures.

* Consistently surpassed underwriting quotas in both retail & wholesale loan environments.

EMPLOYMENT:

2014-2017

Sr. Underwriter – Community Mortgage Funding

Underwriting of Conventional /High Balance/FHA /Jumbo-Non Conforming Loans

Averaging 7-9 New Loan Approvals/Condition reviews per day including Full Appraisal Reviews.

Underwriting of Portfolio/Harp/HomePaths/Daps/ etc.

Very Proficient working in Mortgage Builder, Mortgage Bot, Word, Excel, and PowerPoint.

Processing LDP/GSA, Access to FHA Connection, Desktop Underwriter, Loan Prospector, Collateral Underwriter and Condo Project Manager.

2013-2014

Underwriting Manager/Processing Manager – Pacific Horizon Bancorp

Underwriting of Conventional Conforming/High Balance/FHA/USDA

Averaging 7-8 New Loan Approvals/Conditions per day.

Underwriting of Harp/HomePaths/Daps/Reverse Mortgages, etc.

Very Proficient working in Encompass, Point, Word, Excel, Loan Sifter and PowerPoint.

Processing LDP/GSA, Access to FHA Connection, Desktop Underwriter, and Loan Prospector.

Supervise processing of FHA, VA, Reverse Mortgage and Conventional Loans.

2010-2013

Level IV Underwriter - Wells Fargo Home Mortgage

Underwriting Conventional Conforming/High Balance/Non-Conforming./Harp Loans

Averaging 6-8 New Loan Approvals/Recons per day.

Training in Harp/Hoepa/BMR's/ Non-Conforming/HomePath/Daps, etc.

Very Proficient working in LIS, LP & DU, CORE, Word, Excel and PowerPoint.

Previously part of Original CORE team for Region 11 – Worked in Office & Remotely.

2009-2010.

Level III Underwriter/Accountemps - Wells Fargo Hm Mtg. & Alaska USA Federal Credit Union

Underwrote both Conventional & FHA loans (2nd Signature).

Averaged 8-9 New Loan Approvals/Recons per day.

Training in FHA/Harp/Hoepa/Hi-Balance/BMR's.

Very Proficient working in LIS, LP, DU.

Worked Citrix & Morstart Paperless environment.

2003-2008.

Sr. Underwriter/Loan Division, Equity Development

Underwriting of all branch originated loans - FHA/Conventional.

Assisted in helping loan officers meet their projected goals.

Other Duties include: Funding, Packaging, Compliance.

Supervised team of 3/underwriters

2000-2003

Branch Development Representative, WMC Mortgage Corp.

Acquisition/Retention of broker accounts.

Pricing, underwriting, funding, etc. of Sub-Prime & Alt-A loans.

Presentation of loan products to broker offices.

1998-2000

Sr. Loan Officer, Excel Properties/Loan Lines, Inc.

Top producer with company in 1999.

Extensive knowledge of loan products in FHA/VA/CONV.

Supervisor of telemarketing team.

1997-1998

Sr. Underwriter, Empire Funding

Underwrote loans from B/C credit grade including FHA/Title One Loans.

Supervised a team of six underwriters.

Liaison between correspondent and company.

FHA Direct Endorsement training.

1995-1997

Asst. Branch Mgr., Household Finance Corporation

Doubled branch revenues for each account executive.

Reviewed/Underwrote all loans that originated in branch.

Relief manager for numerous branch offices.

In charge of Cash-Drawer/Opened & Closed Branch.

References Furnished Upon Request

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