Underwriter Quality Control

Monica M. Murphy

**** ******* ***** *****

Grand Prairie, TX 75052

Home phone: 972-***-****

E-mail: **************@*****.***

Senior Mortgage Banking Underwriter

Summary of Qualifications:

21 years experience underwriting FHA, VA, and conventional loans

FHA DE underwriter since 1997, CHUMS #R721

VA Automatic underwriter since 1998, VA SAR #6439 since 1999

Exceptional analytical skills, including reviewing complex tax returns for self-employed borrowers

Excellent written and verbal communication skills

Professional Experience:

Pacific Union Financial, Dallas, TX April 2016 to August 2018

FHA/VA DE/SAR Underwriter – responsible for underwriting FHA,VA and conventional loans in retail and wholesale channels.

CNB of Texas, Waxahachie, TX January 2016 to March 2016

FHA/VA DE/SAR Underwriter – responsible for training staff on FHA/VA guidelines, underwriting FHA/VA loans.

CMG Financial, Irving, TX July 2014 to October 2015

Correspondent Auditor – responsible for auditing closed FHA and VA loans decisioned by DE and SAR underwriters prior to purchase; performed second level reviews of audited FHA and VA loans; responded to Scenario Desk emails within 4 hours for scenario questions regarding conventional, FHA and VA loans.

JPMorgan Chase, Fort Worth, TX November 2010 to December 2013

LQR Auditor (May 2012 to December 2013) - responsible for auditing conventional, FHA and VA loans decisioned by retail underwriters. Consistently met daily and monthly production quotas.

Senior Underwriter (November 2010 to April 2012) – responsible for underwriting FHA loans, VA loans (credit only) and conventional loans. Communicated with branches to help resolve issues with loans and to meet guidelines.

Bank of America, Dallas, Texas July 2009 to September 2010

FHA DE Underwriter - responsible for underwriting FHA loans, communicated with loan officers and processors on all aspects of FHA loans.

CTX Mortgage Company, Dallas, Texas March 1997 to July 2009

Quality Control Auditor (October 2008 to July 2009)- responsible for reviewing repurchase demands from investors, including Freddie Mac and Fannie Mae, researching wide range of issues, then writing appeal letters in response to demand letters.

Senior Prefunding Auditor (August 2000 to October 2008) - responsible for reviewing FHA, VA and conventional loans approved by branches prior to closing. Recognized by peers and managers as knowledgeable and experienced in reviewing tax returns for self-employed income. Helped mentor and train branch underwriters.

Underwriter (March 1997 to August 2000) - responsible for underwriting FHA, VA and conventional loans. Responsible for underwriting FHA appraisals. Communicated with branches to help resolve issues with loans and meet guidelines. Handled large volume of loans in a timely manner.

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