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Customer Service Loan

Location:
Garland, Texas, United States
Posted:
August 23, 2018

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Resume:

Dennis Spencer-Auber

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

Garland, Texas 75044

214-***-****

ac6sem@r.postjobfree.com

Objective

To obtain a position were loan experience, motivation and a commitment to excellence will be

utilized and advanced.

Professional Experience:

DE Cerificated-2008

FHA/VA Certified-2008

Contract work

Landmark Mortgage

Underwriter April 01 - Oct 31st 2016

Evaluate and verify loan application/applicant data to determine if the client has the capacity to repay the mortgage loan according to investor/agency guidelines FHA & Conventional Loans.

Manage Approval and Condition Queue to maintain company published service standards

Publish Underwriting Dispositions, clear conditions, analyze Change Requests

Analyze risk as it relates to investment quality loans

Maintain complete knowledge of underwriting guidelines

Communicate with originator, per service standards; answer underwriting and product questions

Complete Underwriting Certifications, as necessary

Complete and deliver work product with highest degree of customer service and accuracy

J P Morgan Chase March 15th 2015- Jan 2016

Loss mitigation underwriter;

Managed a multi-state pipeline of loans in accordance with investor, state and regulatory

guidelines.

Calculated income and assess qualification for loan programs based on investor guidelines.

Approved or deny a loan modification based on investor guidelines.

Conditioned files for missing/supporting documentation.

Revisited loans to review and clear conditions.

Monitored daily reports and update assigned accounts on a regular basis.

Performed data entry to update all internal systems and loan files with notes regarding all actions

that affected the loan in accordance with company requirements.

Made and received borrower calls and communicate findings with other departments as needed.

Escalated fraud issues to Fraud Investigation Unit.

Communicated to Underwriting Manager if unable to achieve a timeline or resolve an error.

Flagstar Bank Jan 1st - April 2013

Senior Underwriter:

Underwrote FHA Loans according to Fanniemae Guidelines.

Reviewed credit, Income, appraisal according to guidelines of Flagstar.

Maintained a sound and solid pipeline; manually underwrote loans with a

sound knowledge of company's principals and knowledge.

CSI Companies/BB&T Mortgage June 2012- Dec2012

Reviewed, examined and underwrote loans to ensure business soundness.

Evaluated and synthesized data to ascertain loan viability and identified risk issues.

Independently isolated, defined and determined applicable cause of action on complex

issue.

Manually underwrote loans with a sound knowledge of Fannie Mae guidelines, DU

guidelines and risk assessment tools used to decision mortgage loans.

Nations Star Mortgage January 3 2012-June 2012

Reviewed closed loan files to ensure thoroughness and compliance with applicable

regulations.

Reviewed approval underwriting standards, according to Nation Star Mortgage's signing

authority matrix, Interfaced with third party venders to re-verify loan information.

Reviewed loan conditions ensuring all requested items, per the loan approval, are valid

and all required stipulations are met.

Maintained high Service Levels toward internal and external customers.

Participated and recommended solutions to correct deficiencies.

Country Place Mortgage

FHA Underwriting (Manufactured Homes) April 6 2011 Oct 2011

Evaluated and examined transactions to ensure accuracy and completeness.

Maintained a sound knowledge of secondary market activity and business/Industry

practices.

Reviewed financial statement, credit report and collateral.

Wells Fargo Bank Aug 2010-Sept 2010

FHA Underwriting

Responsible for reviewing, analyzing, approving and underwriting unusual or complex loans

through government channel.

Reviewing financial statements, credit reports, and collateral.

Evaluating & examining transactions to ensure accuracy and completeness.

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

Implementing fraud detection techniques, performing compliance reviews; assisting with

re-negotiations of loans based on lending & FHA guidelines

Bank of America Dallas, TX

Government Underwriter March / 2009 – Jan 2010

Mortgage Company - Home Loan Government / Retail

Responsible for reviewing, analyzing, approving and underwriting unusual or complex loans

through government channel.

Reviewing financial statements, credit reports, and collateral.

Evaluating & examining transactions to ensure accuracy and completeness.

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

Implementing fraud detection techniques, performing compliance reviews; assisting with renegotiations

of loans based on lending & FHA guidelines;

Contacting partners to gather information to make appropriate decisions, explain rationale

behind credit decision.

Full spectrum-Countrywide Home Loans Aug. 2005- Jan 2008

Underwriter I

Reviewed, examined and underwrote loans to ensure business soundness.

Evaluated and synthesized data to ascertain loan viability and identified risk issues.

Independently isolated, defined and determined applicable cause of action on complex

issue.

Manual underwriter with a sound knowledge of FannieMae guidelines, DU guidelines and

risk assessment tools used to decision mortgage loans.

Maintained a sound knowledge of secondary market activity and business/ Industry

practices.

Full Conventional and governmental underwriting designation.

Calculate and verify income structure (employment verification, tax returns, divorce

decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K,

sale of assets, etc). Review, verify credit report (FICO pay history, debt validation) and

other real estate owned (i.e., disposition of property, rental income).

Reviewing financial statements, credit reports, and collateral.

Knowledge of the principles and regulations applicable to mortgage lending.

Evaluating & examining transactions to ensure accuracy and completeness

Excellent PC skills and possess a high level of proficiency in Microsoft Office applications

to include Excel, and Word

Ability to work well with customers and clients, with a high degree of professionalism

towards company policies and procedures

Greenpoint Mortgage Sept. 2003- May 2005

Underwriter 1

Manual underwriter.

Due Diligence and Pre-approval

Bulk / Portfolio Loan Set-up

Reviewed closed loan files to ensure thoroughness and compliance with applicable

regulations.

Reviewed approval underwriting standards, according to Green Point Mortgage's signing

authority matrix.Interfaced with third party venders to re-verify loan information.

Reviewed loan conditions ensuring all requested items, per the loan approval, are valid and

all required stipulations are met.

Maintained high Service Levels toward internal and external customers.

Participated and recommended solutions to correct deficiencies.

First Nationwide Mortgage Nov. 1998-Sept 2003

Junior Underwriter

Managed a $250,000,000. Pipeline.

Audited between $1.5-3 Million worth of loans daily.

Reviewed Loan docs, FHA, VA, 2nd lien, Conventional.

Audit done for accuracy and completeness according to Mortgage principle and

procedures; corresponded with Underwriters in this practice.

Handled complete tax returns and Financial Statements.

Conversant with protocol of Freddie-Mac, Fannie-Mae, HMDA, and Fair Lending

Practices.

References Available Upon Request



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