CHRISTIAN ALINTAH

**** ********* ******, ****** ** 75034

Cellphone: 651-***-****

Email: ac62zz@r.postjobfree.com

Summary of Qualifications

Experienced in conforming and non-conforming/jumbo loan underwriting; performing audit/second level review including FHA, VA, USDA, HARP and Conventional loans for purchase and refinance transactions on single family, multi-family/commercial buildings, manufactured homes, condos etc. Loan origination, processing, closing and post-closing, feasibility and viability Appraisal, Title review including Subordination, Texas A6, New York CEMA, Title held in a trust, Loss and Mitigation, Bankruptcy etc. A critical evaluation of qualifying assets including business fund, asset held in a trust, retirement account etc. NAN McKay section 8 eligibility and rent calculation, Property management (Affordable housing including section 8 and 242 etc.), Management of multi-unit housing development for both commercial and residential buildings. global marketing and branding, real estate comparative marketing analysis, Individual and Corporate tax analysis, Complex cash flow and financial analysis, quality control and compliance for various types of business ventures. Crisis management and ability to adapt to a new and changing environment.

SOFTWARE PROGRAM:

LPS, ER, DAT, LIS, EDGE, WP11, SHAREPOINT, STATUSMART, EXCEL, POWERPOINT, MICROSOFT WORD, ACCESS, PROJECT 2000, RENT ROLL and YARDI, ENCOMPASS, BOSS etc.

EXPERIENCE

NATIONSTAR MORTGAGE, IRVIN TEXAS

SENIOR UNDERWRITER, JANUARY 2015 -PRESENT.

Underwrite and render decisions on complex conforming and non-conforming loans.

Review customers credit profile, including but not limited to credit report, financial statements, paystubs, tax returns, appraisal and title and render decision utilizing the various decision engines or software with sound risk assessment and mitigation procedures and methodical data analysis to make loan approval decision.

Review and analyze complex individual and corporation tax returns and financial statements including cash flow statements to determine debt to income ratio for businesses and corporations on various loans program to ensure compliance with regulatory and compliance guidelines.

BANK OF AMERICA PLANO, TX

SENIOR MORTGAGE UNDERWRITER, APRIL 2013 TO DECEMBER 2014

Performed second level review for the non-conforming loan department, rendering underwriting decisions on complex jumbo loans that requires critical evaluation of business income and assets and applying prudent cash flow analysis and techniques in determining qualifying income and using robust comments and notes when applicable to show how credit decision was made.

Reviewed loan applicants’ packages including, credit report, Title, Appraisal pay stubs, W2's, bank statements, tax returns, profit and Loss acct etc. in determining eligibility for the various loan program options and ensuring Underwriters decisions are within program guidelines to meet investor’s regulation and application compliance.

WELLS FARGO HOME MORTGAGE, MINNEAPOLIS, MN

SENIOR MORTGAGE UNDERWRITER, JUNE 2007 TO JUNE 2010

RELS VALUATION/MARKETLINK, BLOOMINGTON, MN

REVIEW APPRAISER/REAL ESTATE MANAGER, JUNE 2004 TO JUNE 2007

ACCOMPLISHMENTS:

Maintained zero percent defect in quality while at the same time exceeding unit production goal in monthly funded loans and on-time loan closing metrics thereby driving customer satisfaction survey by over 20 percentage points.

Recognized with several awards from both the inline and disposition team for top class detailed underwriting excellence and innovative models in finding solutions to complex issues resulting in saleable loans meeting investors datelines and quality assurance.

Mentored Underwriters on income calculation and on reviewing hardship packages, providing the framework for top class quality review and improving process and customer satisfaction.

Met & exceeded quarterly production quota with zero inline defects resulting to quality improvement for the unit goals and customers satisfaction

EDUCATION

Certificate in Commercial Real Estate University of St Thomas - Minneapolis, MN 2010 to 2010

Minnesota Appraisers license (inactive) in Appraisal Kaplan University - Minneapolis, MN 2006 to 2006

Minnesota Brokers license (inactive) in Real estate sales Kaplan University - Minneapolis, MN 2006 to 2006

BS in Real Estate Management University of science and Technology - Nigeria

MPNA in Public and Non-Profit Management Metropolitan State University - Minneapolis-Saint Paul, MN

Certificate in Community Building in Community Development Metropolitan State University -Minneapolis-Saint Paul, MN

SKILLS

Underwriting FHA, VA and Conventional loans for both conforming and non-conforming loans. Appraisal review skills including comparative market analysis, income calculation for both individual and business tax returns etc

Perform Complex financial analysis/comparative analysis for various types of different businesses including Sole proprietor, Partnership, S Corp, C Corp on schedules related to loan approval decisions.

Known for building lasting business relationships through effective communication to ensure trust and higher performance.

Management of multi-unit residential and commercial buildings including but not limited to site acquisition, valuation, equipment leasing, staff training and development, rent collection, leasing/marketing, loan syndication etc

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