Loan Mortgage

Rutendo Chiradza

E-mail: *******@*****.*** Cell: 469-***-**** Home:7417 Armstrong Lane, Rowlett

OBJECTIVE

I am looking for a challenging position in an environment that encourages creativity and independent thinking with the potential for advancement. Capable of tackling fairly complex assignments and producing intended results.

EXPERIENCE

Genpact

Snr Home Loan Underwriter 06/2015-05/2018

Worked on IRRRL’s, VA Full docs and conventional files

Primary liaison to correspondents, title companies and borrowers concerning documentation issues.

Verified case file data, including findings and calculations to determine loan compliance for mortgage assistance.

Reviewed and evaluated information on mortgage loan documents to determine if borrower, property and loan conditions meet investor underwriting guidelines for mortgage assistance.

Made an underwriting decision on each loan within determined underwriting turn times and effectively communicate, both verbally and in written form, the underwriting decision.

Communicated with outside mortgage firms, financial institution mortgage loan officers and customers of financial institutions to underwrite files properly.

Give alternatives if assistance is not available to keep home

Wells Fargo 02/2013- 03/2015

Home Loan Underwriter

Review financial statements, credit reports, and applicable ratios

Examine transactions to ensure accuracy and completeness.

Prepare formal reports for review.

Ensure that documents are consistent and uphold to company and industry guidelines.

Implement fraud detection techniques, performing compliance reviews.

Assist with negotiations of loans based on lending guidelines.

Contact customers and partners to gather information to make appropriate decisions, explaining rationale behind credit decision.

Provide work direction and/or training to lower level team members

Bank of America 02/2012- 02/2013

Home Loan Junior Underwriter

Responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines(FHA, VA, FNMA, FHHLMC, Private, Asset)

Evaluates and ensure overall loan documents are accurate, complete, and compliant

Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products.

Using an automated scoring system or traditional underwriting to determine acceptability of moderate requests.

Wingspan Portfolio 05/2011-12/2011

Customer Advocate/FHA Claims (Mortgage)

Responded to concerns from homeowners to the Office of the CEO and President in writing

Analyzed cases and found solutions for all concerns

Collected unpaid receipts after foreclosure for BOA billing

Confirmed all necessary work on properties had been completed by review of pictures

GMAC Mortgage 10/2009- 02/2011

Loan Processor

Work directly with customers to ensure high customer satisfaction.

Maintain system accuracy, issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy.

Set up files and order all necessary exhibits for appraisals and credit reports.

Prepare and calculate income and assets thoroughly before submission to underwriting.

Order and review title insurance, appraisals, loan payoffs, flood and tax certificates and surveys, and thoroughly review all documents before submission to underwriting.

Obtain and review documents for compliance with loan conditions with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions and perform closings.

Check alternative documentation for accuracy and potential problems.

Manage pipeline via weekly pipeline report.

EDUCATION

University of North Texas 08/2013-12/2014

Bachelors in Criminal Justice

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