JaHarvey Johnson 510-***-****

**** ****** **. *******, **. 94531 ac5oue@r.postjobfree.com

Professional Summary:

• 24 years of Mortgage Industry experience with an emphasis on Mortgage Underwriting and Corporate Training. Resourceful with a high level of initiative to resolve issues that undermine financial focus and staff growth. Skilled at Conventional (Conforming), FHA, Jumbo (Non-Conforming), Non-QM and Commercial Underwriting. Proven Track record as a Training Specialist and Mortgage

Finance Lead with the high energy level to conduct training and development programs for employees. Proficient in credit analysis, collecting information, conducting research, creating training materials and

programs

Professional Work History:

Peoples Home Equity, San Francisco, CA 2/17 – 7/17

Operations Manager, Sr. Underwriter

• Training and Management of Originations and Processing Teams

• Development and implementation of Policy and Procedures

• Mortgage Underwriting: Reviews and evaluates Income, Tax Analysis, Financial Statements, Credit Reports, Title Policies and Appraisals

• Assist Senior Loan Officers with loan structuring and Guideline application (Conforming, Jumbo, Non-QM and FHA)

Mountain West Financial, Walnut Creek, CA 12/14 – 1/17

Vice-President-Branch Underwriting, Sr. Underwriter

• Training and Supervision of Mortgage Underwriting Team

• Performed detailed Credit Analysis to ensure credit worthiness of Borrowers

• Approved customer loan amounts up to $2.5 Million

RPM Mortgage, Alamo, CA 2/14 – 7/14

Underwriter III

• Performed detailed Credit Analysis to ensure credit worthiness of Borrowers

• Approved customer loan amounts up to 2.5 Million (Conforming, Jumbo, Non-QM and FHA)

CMG Financial, San Ramon, CA 5/12 – 2/14

Underwriting Team Lead, Sr. Underwriter

• Training and Supervision of Mortgage Underwriting Team.

• Approved customer loan amounts up to $2.5 Million (Conforming, Jumbo, Non-QM and FHA)

• Prepared non-standard reports for review and ensuring that documents are consistent and uphold to company and investor guidelines

• Complete and thorough analysis (QC) of loan files to determine compliance with Investor and Company guidelines

Bank of America, Concord, CA 9/11 – 5/12

Underwriting Team Lead, Quality Assurance Proficiency Coach

• Performed detailed Credit Analysis to ensure credit worthiness of Borrowers

• Creation, development and presentation of Corporate Training Programs for employees

• Performed Quality Reviews (QC) of team member files, providing supervision, guidance and coaching as needed to ensure individual and team proficiency

U.S. Dept. Treasury, Oakland, CA 6/08 – 1/12

Wage & Investigations Contact Agent

• Tax law enforcement, Analysis of Tax Return accounts and Financial Statements, Performed Compliance Investigations, establishment of Installment Agreements

• Coordinated with external Certified Public Accountants on Tax Returns, Compilations and Audits

New Century Finance Corporation, San Ramon, CA 2/01 – 7/07

Sr. Underwriter-Wholesale, Operations Mgr. - Retail

• Performed detailed Credit Analysis to ensure credit worthiness of Borrowers

• Directed staff in Retail Mortgage processing, underwriting and funding

Education

• Business Administration, Southern University, Baton Rouge, La.

• Health Science, Chabot College, Hayward, Ca. – Associates Degree

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