Mortgage Loan

Ollie G Williams

720-***-**** *******@*****.***

OBJECTIVE

Obtain underwriting position that will allow me to utilize my skills and expertise. I have over 18 years of experience in the mortgage business. I am self- motivated, exhibit dedication and excel in communication.

PERSONAL QUALIFICATIONS- I have a strong background in underwriting. I am able to provide quality reviews of files while ensuring regulatory guidelines are met on time.

● Underwriting and Quality Control with Conventional mortgage loans

● Experience with various automated systems, Desktop Underwriter and Loan Prospector

● Organized and self- motivated

● Ten years of owning and operating a mortgage company

● Accustomed to dealing with various financial corporations and banks.

● Maintain excellent relationships with customers

● Knowledge of and experience with the inner workings of financial institutions.

● Experience with loan audits, compliance, and due diligence

● Strong background with the following loan types: Conventional, FHA, VA, Jumbo, Construction to Perm.

● Strong knowledge with Dodd Frank, QM, ATR, TILA, HMDA and RESPA

● Up to date with all credit and compliance for FNMA, Freddie Mac, FHA and SAFE ACT Regulations

EXPERIENCE

Lenderlive Network Denver, CO December 2015-present

Underwriter

Underwrite VA loans for refinances and purchases.

Used Loan Prospector, Desktop underwriter, and automated systems.

Issue loan approvals or conditions that need to be fulfilled.

NATIONSTAR MORTGAGE Littleton, CO August 2011 December 2015

(formerly Aurora Loan Services)

Underwriter III

● Underwrote mortgage loans which include purchases and refinances.

● Reviewed of appraisals and collateral tools

● Analyzed tax returns, paystubs, and bank statements

● Strong knowledge of FNMA and FHLMC guidelines

● Up to date on all CFBP policies and procedures (qualified mortgages and ATR).

● Used Loan Prospector, Desktop underwriter, and automated systems

AURORA LOAN SERVICES Littleton, CO April 2009 August 2011

Loan Modification Frontline Underwriter

● Underwrote mortgage loans including refinances and purchases.

● Used Loan Prospector, Desktop underwriter, and automated systems.

● Familiar with Fannie Mae and Freddie Mac underwriting guidelines.

● Reviewed and underwrote loan modifications.

● Counseled and guided customers concerning repayment plans always adhering to regulations and company policies.

● Familiar with Fidelity, Lenstar, LPS, BITB computer programs.

● Knowledge of the inner workings of ALS and the various products available to customers.

● Quality control of loans that have completed the underwriting process and files being prepared for audits to confirm they are complete and ready for closing.

NACA Denver, CO June 2007 April 2009

Mortgage Consultant and Underwriter

● Underwrote mortgage loans including refinances and purchases.

● Used Loan Prospector, Desktop underwriter, and automated systems.

● Familiar with Fannie Mae and Freddie Mac underwriting guidelines.

● Frontline Underwriting

● Experience processing mortgage loans, including FHA and VA.

● Assisted clients with restructuring mortgage payments.

● Helped clients achieve a more affordable payment to avoid foreclosure.

● Helped low to moderate income clients achieve home ownership through NACA’s unique mortgage program.

● Delivered comprehensive counseling to customers involving budgets and mortgage investments.

● Organizer of home save and purchase workshops twice a month to educate individuals about services available through NACA.

WT MORTGAGE (owner) Denver, CO October 1997 June 2007

Underwriter/Loan Originator

● Underwrote mortgage loans including refinances and purchases.

● Used Loan Prospector and AU systems.

● Assisted customers in obtaining mortgage loans including conventional, sub prime, and various adjustable rate programs to help them achieve their financial goals.

● Performed day to day operations of operating a mortgage company.

● Trained new loan officers in the art of originating loans.

EDUCATION

● Montbello Senior High School

● University of Colorado Boulder

NMLS registered: NMLSR: 1160409

References Available Upon Request

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