Professional Experience Mortgage

JENNIFER K. SMYRE

***** ********** **** 925-***-**** (Mobile)

Charlotte, NC 28269 *************@*******.***

• DE: CHUMS #AU98

PROFESSIONAL EXPERIENCE

AMERICAN CAPITAL 2013

Underwriter

• Review income, assets, and credit on mortgage loan applications. BANK OF THE WEST 2013

Contract Underwriter

• Review income, assets, and credit on mortgage loan applications. PACIFIC FINANCIAL 2010

DE Underwriter

• Underwriter and Subject-Matter Expert for FHA-affiliated mortgage programs.

• Resolved credit and collateral issues on second mortgage equity loan and equity line applications.

• Reviewed completed applications for compliance with program guidelines and credit policies.

• Work with agencies and investors to secure credit policy exceptions. WELLS FARGO BANK (WACHOVIA – PROJECT GREEN EARTH) 2008 to 2009 DE Underwriter

• Reviewed applications and loan conditions on mortgage applications for refinancing as part of a program to redeem loans close to foreclosure.

• Resolved credit and collateral issues on first and second mortgage applications.

• Underwriter and Subject-Matter Expert for FHA-affiliated mortgage programs. NL, INC.

Senior Underwriter 2007

• Resolved credit and collateral issues on first mortgage applications.

• Review completed applications for compliance with program guidelines and credit policies.

• Acted as mentor and provided guidance for less-experienced underwriters. BANK OF AMERICA

Senior Underwriter 2002 to 2006

• Evaluated and executed credit policy exemptions up to $1.5 million per incident.

• Acted as liaison with partner agencies to ensure ongoing communication of credit-related issues.

• Coordinated underwriting on Downpayment Assistance Programs (DAPs), Neighborhood Advantage, ACORN, MCC, and other agency-backed mortgage assistance programs.

• Reviewed completed applications for compliance with program guidelines and bank credit policies.

• Developed and conduct training on DAP/Bond/MCC programs for internal and external partners.

• Reviewed underwriter lending authority levels and make recommendations to risk management.

• Lead Underwriter and Subject-Matter Expert for CHAFA, ACORN, MCC, DAP, and FHA loans.

• Resolved credit and collateral issues on first mortgage applications. EDUCATION

FHA Direct Endorsement Underwriting – National Association of Mortgage Professionals 2012 FHA Underwriting Class – NAMP 2012

University of Phoenix

Bachelor’s Degree in Business Management 2010

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